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The Emergency Loan Request Letter is a crucial document used in Saudi Arabia when seeking urgent financial assistance from Islamic banking institutions. It serves as the formal initiation of an emergency loan application process, requiring careful attention to both the urgency of the request and compliance with Saudi Arabian banking regulations and Shariah principles. This document is typically used in situations requiring immediate financial intervention, such as medical emergencies, urgent business needs, or unforeseen critical expenses. The letter must be structured to demonstrate both the emergency nature of the request and the borrower's ability to repay, while ensuring all elements comply with Islamic finance principles that prohibit interest (riba). The document includes detailed information about the borrower's financial status, purpose of the loan, and proposed repayment terms, accompanied by supporting documentation as required by SAMA regulations.

1. Sender Details: Full name, address, and contact information of the loan requestor

2. Date and Reference: Current date and any reference numbers relevant to the request

3. Recipient Details: Name, title, and address of the bank official or department

4. Subject Line: Clear indication that this is an emergency loan request

5. Salutation: Formal greeting appropriate for Saudi business culture

6. Purpose of Emergency Loan: Clear explanation of the urgent situation necessitating the loan request

7. Loan Amount: Specific amount requested with justification for the calculation

8. Current Financial Status: Brief overview of current income, existing obligations, and ability to repay

9. Proposed Repayment Terms: Suggested repayment schedule that complies with Shariah principles

10. Closing Statement: Request for urgent consideration and appreciation

11. Signature Block: Full name, signature, and contact information