The UAE Central Bank has issued a circular confirming that banks can amend the deduction percentage for loan repayment if the salary has been decreased for reasons other than retirement. Banks can deduct up to 50% of the salary and extend the term of the loan, be it a personal loan or a loan for real estate. The circular has also confirmed that if the said loans exceeded the permissible terms due salary reduction, the bank or finance company cannot give the customer more credit facilities.