Most UAE personal loans use a reducing (or declining) balance method, where interest is calculated only on the outstanding principal remaining each month, so the interest portion of your EMI shrinks over time as the balance is paid down. A flat-rate loan, by contrast, calculates interest on the original full principal for the entire tenure regardless of how much has already been repaid, which typically results in a meaningfully higher effective interest cost than a reducing balance loan advertised at a similar headline rate, even though the two structures aren't always immediately obvious from the advertised rate alone.
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