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1. Interest Rate: Include if the loan carries interest (noting UAE/Islamic finance considerations)

2. Security Deposit: Include if employer requires additional security beyond the vehicle itself

3. Co-signer Provisions: Include if a guarantor or co-signer is required

4. Vehicle Usage Restrictions: Include if employer wants to impose specific usage conditions

5. Cross-Border Usage: Include if vehicle will be used across GCC countries

6. Refinancing Options: Include if employer offers refinancing possibilities

1. Schedule 1 - Vehicle Details: Detailed specification of the vehicle including make, model, year, and VIN

2. Schedule 2 - Payment Schedule: Detailed monthly repayment schedule with dates and amounts

3. Schedule 3 - Salary Deduction Authorization: Format for salary deduction authorization compliant with UAE labor law

4. Appendix A - Vehicle Insurance Requirements: Specific insurance coverage requirements and minimum terms

5. Appendix B - Vehicle Maintenance Schedule: Required maintenance schedule and standards

6. Appendix C - Handover Checklist: Checklist for vehicle condition at handover and return