Mashreq asks for 3 months for a personal loan, 6 months for larger amounts. CBUAE caps your DBR at 50% of gross salary. The export lets you see what the underwriter will see.
Convert for loan applicationMashreq's personal loan underwriting team requests three months of statements for standard amounts and six months for higher tickets. They check WPS salary regularity, the existing EMI load against other lenders, returned cheques, and any sign of cash flow stress. Mashreq Neo applicants submit digital statements generated from the app — the format is identical, just app-issued.
The CBUAE caps debt-burden ratio at 50% of gross monthly salary across all UAE lenders. The underwriter calculates this directly from your statement by summing every recurring outflow that looks like a finance obligation. Mashreq's integrated card spend can confuse this calculation if discretionary purchases are misread as a credit-card minimum due. Converting the statement first lets you preview the row mix.
SALARY rows carry the MoHRE employer ID and the WPS settlement date. Mashreq is one of the banks that prints the employer registration code inline, which lets underwriters auto-verify against the WPS database. If your salary entries are missing the WPS marker, the underwriter will ask for an HR salary letter as backup.
Existing finance instalments — auto loan EMI, personal loan EMI, credit card autopayment — appear as DIRECT DEBIT rows with the lender as the descriptor. Mashreq's integrated card spend means each POS row is a discretionary purchase, not a credit obligation. Both still consume cash, so a strong average balance matters.
Pull WPS salary credits with employer ID, all existing EMI direct debits, integrated card POS totals, the period's average and minimum balance, and any returned-cheque entries. Compute the DBR before submitting — Mashreq will compute the same number on their side.
Modern digitally generated PDF. English dominant. Dates DD/MM/YYYY or DD-MMM-YYYY. Exchange rate shown inline for foreign currency transactions. IBAN, BIC, and branch code in header. Card spend integrated within account statement — no separate card statement. Mashreq Neo accounts may have a slightly different header layout from classic Mashreq accounts.
| Label | Meaning |
|---|---|
| POS- | Card purchase at point-of-sale |
| ATM CASH | ATM cash withdrawal |
| SALARY | WPS salary credit |
| REMITTANCE OUT | International money transfer sent |
| EXCHANGE RATE | FX rate applied to foreign transaction |
UAE personal loan applications require 3–6 months; Central Bank capped debt-burden ratio at 50% of salary, so lenders calculate total monthly obligations from the statement.
Pull the right months of Mashreq statements
Open Mashreq Mobile or Mashreq Neo. Request the three or six months Mashreq needs for your specific product. Save each PDF and upload them together to Kashfbank — they merge chronologically.
Verify your WPS salary credits
Check the SALARY rows carry the MoHRE employer ID. If a month is missing, that signals a WPS timing shift around month-end holidays — request an HR letter to explain it to the underwriter.
Calculate your DBR
Sum every recurring debit that is a finance obligation — personal loan EMI, auto loan EMI, credit card autopay. Divide by gross monthly salary. If the number is above 50%, settle or reduce a facility before applying. The CBUAE rule is hard.
Submit the clean Excel alongside the PDF
Mashreq accepts the original PDF for the official application. The converted Excel is for your own review — it lets you spot what the underwriter will see before they see it.
Common challenges
How many months of statements does Mashreq need?
Three months for a standard personal loan. Six months for larger amounts or SME finance. Auto loans typically need three months. Mashreq Neo customers submit digital statements direct from the app; the underwriting standard is the same as classic Mashreq.
Does Kashfbank flag returned cheques or insufficient-funds entries?
Yes. Mashreq prints returned cheques and ISF entries with specific descriptors. Kashfbank tags these in the Category column so you can see them at a glance. Recent returned cheques are a strong negative signal — most lenders will defer or decline.
My salary missed a month because of an Eid holiday. Does that hurt the application?
Not on its own. WPS timing shifts around Eid and year-end are common. The underwriter looks at the pattern across the period, not a single month. An HR letter explaining the timing shift removes any doubt.
Mashreq integrates card spend in the account statement. Does that inflate my DBR?
POS purchases on the card are discretionary spend, not a finance obligation, so they do not count toward DBR. Only the card autopay minimum due counts. Kashfbank separates POS rows from autopay rows so the calculation stays correct.
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Regulator: Central Bank of the UAE (CBUAE)
Fiscal year: Jan 1 – Dec 31 (Gregorian)
Full country guide →Statement language: English