alter table banks add banklogo varchar(100);

UPDATE banks 
SET banklogo = CASE bankcode
    WHEN 'ADCB' THEN 'Abu-Dhabi-Commercial-Bank-(ADCB).svg'
    WHEN 'ADIB' THEN 'Abu-Dhabi-Islamic-Bank-(ADIB).svg'
    WHEN 'AJMANBANK' THEN 'Ajman-Bank'
    WHEN 'AlHilal' THEN 'Al-Hilal-Bank.svg'
    WHEN 'BOS' THEN 'bankofsharjah.png'
    WHEN 'CBI' THEN 'cib.jpeg'
    WHEN 'CBD' THEN 'Commercial-Bank-of-Dubai.svg'
    WHEN 'DIB' THEN 'Dubai-Islamic-Bank.svg'
    WHEN 'EIBANK' THEN 'emirateinvesmentbank.jpg'
    WHEN 'EIB' THEN 'Emirates-Islamic-Bank.svg'
    WHEN 'EMIRATESNBD' THEN 'Emirates-NBD.svg'
    WHEN 'FAB' THEN 'First-Abu-Dhabi-Bank.svg'
    WHEN 'INVESTB' THEN 'invesmentbank.jpeg'
    WHEN 'MASQ' THEN 'Mashreq-Bank.svg'
    WHEN 'NBF' THEN 'National-Bank-of-Fujairah-(NBF).svg'
    WHEN 'RAKBANK' THEN 'National-Bank-of-Ras-Al-Khaimah-(RAKBANK).svg'
    WHEN 'NBQ' THEN 'National-Bank-of-Umm-Al-Qaiwain-(NBQ).svg'
    WHEN 'SIB' THEN 'Sharjah-Islamic-Bank.svg'
    WHEN 'UAB' THEN 'United-Arab-Bank.svg'
    WHEN 'DEEM' THEN 'deemfinance.jpeg'
    WHEN 'DubaiFirst' THEN 'dubaifirst.png'
    WHEN 'HSBC' THEN 'HSBC.svg'
    WHEN 'LivBank' THEN 'livbak.png'
    WHEN 'CityBank' THEN 'citybank.png'
    WHEN 'STB' THEN 'standeredcharted.png'
    ELSE NULL
END
WHERE bankcode IN (
    'ADCB', 'ADIB', 'AJMANBANK', 'AlHilal', 'BOS', 'CBI', 'CBD', 'DIB', 'EIBANK', 'EIB',
    'EMIRATESNBD', 'FAB', 'INVESTB', 'MASQ', 'NBF', 'RAKBANK', 'NBQ', 'SIB', 'UAB',
    'DEEM', 'DubaiFirst', 'HSBC', 'LivBank', 'CityBank', 'STB'
);

CREATE TABLE `loantypes` (
  `idloantype` int NOT NULL AUTO_INCREMENT,
  `loantypecode` varchar(10) COLLATE utf8mb4_unicode_ci NOT NULL,
  `loantypedesc` varchar(45) COLLATE utf8mb4_unicode_ci NOT NULL,
  `loantypeDetails` varchar(45) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `useascategory` tinyint(1) DEFAULT NULL,
  `menuitem` varchar(50) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  PRIMARY KEY (`idloantype`)
) ENGINE=InnoDB AUTO_INCREMENT=47 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

CREATE TABLE `loansdetails` (
  `idloan` int NOT NULL AUTO_INCREMENT,
  `loanname` varchar(100) COLLATE utf8mb4_unicode_ci NOT NULL,
  `loandetails` varchar(1000) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `idloantype` int NOT NULL,
  `idbank` int NOT NULL,
  `MinimumIncome` decimal(10,0) DEFAULT NULL,
  `loanurl` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `FlatInterestRate` decimal(5,2) DEFAULT NULL COMMENT 'Flat interest rate as percentage per annum (e.g., 5.00%)',
  `ReducingInterestRate` decimal(5,2) DEFAULT NULL COMMENT 'Reducing balance interest rate as percentage per annum',
  PRIMARY KEY (`idloan`),
  KEY `fk_loans_loantype_idx` (`idloantype`),
  KEY `fk_loans_bank_idx` (`idbank`),
  CONSTRAINT `fk_loans_loantype` FOREIGN KEY (`idloantype`) REFERENCES `loantypes` (`idloantype`),
  CONSTRAINT `fk_loans_bank` FOREIGN KEY (`idbank`) REFERENCES `banks` (`idbanks`)
) ENGINE=InnoDB AUTO_INCREMENT=341 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

CREATE TABLE `loanfeatures` (
  `idloanfeature` int NOT NULL AUTO_INCREMENT,
  `loanfeatureDetails` varchar(500) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'Detailed description of the feature',
  `idloan` int DEFAULT NULL,
  `loanshortfeature` varchar(500) COLLATE utf8mb4_unicode_ci NOT NULL COMMENT 'Short headline feature (e.g., "Low Processing Fee", "Flexible Tenure")',
  PRIMARY KEY (`idloanfeature`),
  KEY `fk_loanfeatures_loan_idx` (`idloan`),
  CONSTRAINT `fk_loanfeatures_loan` FOREIGN KEY (`idloan`) REFERENCES `loansdetails` (`idloan`) ON DELETE CASCADE
) ENGINE=InnoDB AUTO_INCREMENT=1571 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

CREATE TABLE `loanoffers` (
  `idloanoffer` int NOT NULL AUTO_INCREMENT,
  `loanofferDetails` varchar(500) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'Description of the current offer or promotion on the loan',
  `idloan` int DEFAULT NULL,
  PRIMARY KEY (`idloanoffer`),
  KEY `fk_loanoffers_loan_idx` (`idloan`),
  CONSTRAINT `fk_loanoffers_loan` FOREIGN KEY (`idloan`) REFERENCES `loansdetails` (`idloan`) ON DELETE CASCADE
) ENGINE=InnoDB AUTO_INCREMENT=242 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

CREATE TABLE `loanbenefits` (
  `idloanbenefit` int NOT NULL AUTO_INCREMENT,
  `loanbenefitDetails` varchar(4000) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'Detailed description of the benefit (e.g., "No foreclosure charges after 6 months")',
  `idloan` int DEFAULT NULL,
  `loanbenefitCategory` varchar(100) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'Category of benefit (e.g., "Prepayment", "Customer Service", "Approval Speed")',
  PRIMARY KEY (`idloanbenefit`),
  KEY `fk_loanbenefits_loan_idx` (`idloan`),
  CONSTRAINT `fk_loanbenefits_loan` FOREIGN KEY (`idloan`) REFERENCES `loansdetails` (`idloan`) ON DELETE CASCADE
) ENGINE=InnoDB AUTO_INCREMENT=2178 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;



INSERT INTO `loantypes` 
(`loantypecode`, `loantypedesc`, `loantypeDetails`, `useascategory`, `menuitem`) 
VALUES
  ('STL', 'Salary Transfer Loan', 'Loan requiring salary transfer', 1, 'Salary Transfer Loan'),
  ('BOL', 'Buy Out Loan', 'Loan to settle existing debt', 1, 'Buy Out Loan'),
  ('NWSTL', 'Loan Without Salary Transfer', 'No salary transfer required', 1, 'Loan Without Salary Transfer'),
  ('NLC', 'Loan For Non Listed Company', 'For employees of private/non-listed firms', 1, 'Loan For Non Listed Company'),
  ('NTC', 'Loan For New to Country/Company', 'For new employees or residents', 1, 'Loan For New to Country/Company'),
  ('EMIRATI', 'Emirati/UAE National Loan', 'Exclusive for UAE nationals', 1, 'Emirati/UAE National Loan'),
  ('ISLAMIC', 'Islamic Finance', 'Sharia-compliant financing', 1, 'Islamic Finance'),
  ('SME', 'SME Business Loan', 'Loan for small & medium enterprises', 1, 'SME Business Loan');



  use thiqljmz_banksfinders;

INSERT INTO `loansdetails` 
(`loanname`, `loandetails`, `idloantype`, `idbank`, `MinimumIncome`, `AnnualFee`, `loanurl`, `FlatInterestRate`, `ReducingInterestRate`) 
VALUES

-- Salary Transfer Loans (idloantype = 1)
('ENBD Salary Transfer Loan', 'Fast personal loan for salary transfer customers with preferential rates.', 1, (SELECT idbanks FROM banks WHERE bankcode = 'EMIRATESNBD'), 5000, 'AED 299', 'https://www.emiratesnbd.com/en/personal/loans', 6.50, 12.00),
('FAB Instant Loan', 'Get up to AED 1M with salary transfer and low reducing rate.', 1, (SELECT idbanks FROM banks WHERE bankcode = 'FAB'), 7000, 'AED 499', 'https://www.bankfab.com/loans', 7.00, 13.20),
('Mashreq Neo Personal Loan', 'Digital-first loan with instant approval for salary transfer clients.', 1, (SELECT idbanks FROM banks WHERE bankcode = 'MASQ'), 6000, 'AED 399', 'https://www.mashreq.com/neo-loan', 7.25, 13.50),
('DIB Salary Finance', 'Sharia-compliant personal finance with flexible repayment.', 1, (SELECT idbanks FROM banks WHERE bankcode = 'DIB'), 5500, 'AED 350', 'https://www.dib.ae/personal/finance', 5.75, 11.00),
('CBD Quick Cash Loan', 'Low-cost loan for salary account holders with same-day disbursement.', 1, (SELECT idbanks FROM banks WHERE bankcode = 'CBD'), 4000, 'AED 250', 'https://www.cbd.ae/personal-banking/loans', 6.80, 12.70),

-- Buy Out Loans (idloantype = 2)
('ADCB Debt Consolidation Loan', 'Settle multiple loans into one with lower EMI.', 2, (SELECT idbanks FROM banks WHERE bankcode = 'ADCB'), 8000, 'AED 599', 'https://www.adcb.com/debt-consolidation', 8.00, 14.80),
('EIB Buy Out Finance', 'Transfer existing loans to EIB and save on interest.', 2, (SELECT idbanks FROM banks WHERE bankcode = 'EIB'), 9000, 'AED 499', 'https://www.emiratesislamic.ae/buyout', 7.50, 14.00),
('HSBC Balance Transfer Loan', 'Consolidate high-interest loans with HSBC.', 2, (SELECT idbanks FROM banks WHERE bankcode = 'HSBC'), 10000, 'AED 799', 'https://www.hsbc.ae/loans/balance-transfer', 8.25, 15.20),
('Standard Chartered Insta Loan', 'Refinance existing debt with flexible tenure.', 2, (SELECT idbanks FROM banks WHERE bankcode = 'STB'), 7500, 'AED 699', 'https://www.sc.com/ae/loans/', 8.50, 15.50),
('Liv Bank Debt Swap', 'Smart way to reduce monthly burden by combining loans.', 2, (SELECT idbanks FROM banks WHERE bankcode = 'LivBank'), 6000, 'AED 450', 'https://www.livbank.ae/debtswap', 9.00, 16.00),

-- Loan Without Salary Transfer (idloantype = 3)
('Deem Flexi Loan', 'No salary transfer needed – apply with just Emirates ID & bank statements.', 3, (SELECT idbanks FROM banks WHERE bankcode = 'DEEM'), 12000, 'AED 999', 'https://www.deem.ae/flexi-loan', 10.50, 18.00),
('UAB Freedom Loan', 'Loan for professionals not required to transfer salary.', 3, (SELECT idbanks FROM banks WHERE bankcode = 'UAB'), 10000, 'AED 799', 'https://www.uab.ae/freedom-loan', 9.75, 17.20),
('RAKBANK Express Loan', 'Quick approval without salary account transfer.', 3, (SELECT idbanks FROM banks WHERE bankcode = 'RAKBANK'), 8500, 'AED 699', 'https://www.rakbank.ae/express-loan', 10.00, 17.50),
('NBQ Personal Finance', 'Flexible loan for Ajman residents without salary transfer.', 3, (SELECT idbanks FROM banks WHERE bankcode = 'NBQ'), 7000, 'AED 599', 'https://www.nbq.ae/personal-finance', 10.25, 17.80),
('Invest Bank Non-ST Loan', 'Tailored for freelancers and self-employed professionals.', 3, (SELECT idbanks FROM banks WHERE bankcode = 'INVESTB'), 15000, 'AED 1200', 'https://www.investbank.ae/non-st-loan', 11.00, 19.00),

-- Loan For Non Listed Company (idloantype = 4)
('ADIB Private Sector Loan', 'Exclusive loan for employees of private and SME firms.', 4, (SELECT idbanks FROM banks WHERE bankcode = 'ADIB'), 6000, 'AED 499', 'https://www.adib.ae/private-loan', 8.50, 15.80),
('SIB Corporate Staff Loan', 'Special rates for employees of non-listed companies.', 4, (SELECT idbanks FROM banks WHERE bankcode = 'SIB'), 7000, 'AED 550', 'https://www.sib.ae/corporate-loan', 8.25, 15.20),
('NBF SME Employee Loan', 'Designed for staff of small and medium enterprises.', 4, (SELECT idbanks FROM banks WHERE bankcode = 'NBF'), 6500, 'AED 500', 'https://www.nbf.ae/sme-staff-loan', 8.75, 16.00),
('CBI Private Firm Finance', 'Support for employees in private sector firms.', 4, (SELECT idbanks FROM banks WHERE bankcode = 'CBI'), 7500, 'AED 600', 'https://www.cbi.ae/private-finance', 9.00, 16.50),
('Al Hilal Business Associate Loan', 'Loan for professionals working in private institutions.', 4, (SELECT idbanks FROM banks WHERE bankcode = 'AlHilal'), 8000, 'AED 550', 'https://www.alhilalbank.ae/associate-loan', 8.00, 15.00),

-- Loan For New to Country/Company (idloantype = 5)
('Mashreq Neo New Resident Loan', 'For expats new to UAE with less than 6 months employment.', 5, (SELECT idbanks FROM banks WHERE bankcode = 'MASQ'), 8000, 'AED 799', 'https://www.mashreq.com/neo-new-resident', 9.50, 17.00),
('FAB New to UAE Loan', 'Welcome loan for new arrivals with flexible documentation.', 5, (SELECT idbanks FROM banks WHERE bankcode = 'FAB'), 10000, 'AED 999', 'https://www.bankfab.com/new-to-uae', 9.00, 16.50),
('Emirates NBD Fresh Start Loan', 'Support for new employees and residents.', 5, (SELECT idbanks FROM banks WHERE bankcode = 'EMIRATESNBD'), 9000, 'AED 899', 'https://www.emiratesnbd.com/fresh-start', 9.25, 16.80),
('Dubai First New Joiner Loan', 'For employees in first 3–6 months of job.', 5, (SELECT idbanks FROM banks WHERE bankcode = 'DubaiFirst'), 7000, 'AED 699', 'https://www.dubaifirst.ae/new-joiner', 10.00, 17.80),
('HSBC Newcomer Advantage', 'Tailored for expats relocating to UAE.', 5, (SELECT idbanks FROM banks WHERE bankcode = 'HSBC'), 12000, 'AED 1100', 'https://www.hsbc.ae/newcomer', 9.75, 17.50),

-- Emirati/UAE National Loan (idloantype = 6)
('ADCB Emirati Personal Loan', 'Exclusive benefits for UAE nationals.', 6, (SELECT idbanks FROM banks WHERE bankcode = 'ADCB'), 6000, 'AED 399', 'https://www.adcb.com/emirati-loan', 5.50, 10.50),
('ADIB Citizen Finance', 'Sharia-compliant loan for UAE citizens.', 6, (SELECT idbanks FROM banks WHERE bankcode = 'ADIB'), 5500, 'AED 350', 'https://www.adib.ae/citizen-finance', 5.25, 10.00),
('Ajman Bank National Loan', 'Special rates for UAE nationals with government or private jobs.', 6, (SELECT idbanks FROM banks WHERE bankcode = 'AJMANBANK'), 6000, 'AED 400', 'https://www.ajmanbank.ae/national-loan', 5.00, 9.80),
('City Bank Citizen Advantage', 'Premium loan product for UAE nationals.', 6, (SELECT idbanks FROM banks WHERE bankcode = 'CityBank'), 8000, 'AED 600', 'https://www.citybank.ae/citizen', 6.00, 11.20),

-- Islamic Finance (idloantype = 7)
('DIB Al Islami Personal Finance', 'Fully Sharia-compliant personal financing.', 7, (SELECT idbanks FROM banks WHERE bankcode = 'DIB'), 5000, 'AED 350', 'https://www.dib.ae/islamic-personal', 5.75, 11.00),
('Emirates Islamic Personal Finance', 'Profit-based financing with no interest.', 7, (SELECT idbanks FROM banks WHERE bankcode = 'EIB'), 6000, 'AED 400', 'https://www.emiratesislamic.ae/personal-finance', 5.90, 11.30),
('Al Hilal Islamic Loan', 'Transparent, ethical financing for individuals.', 7, (SELECT idbanks FROM banks WHERE bankcode = 'AlHilal'), 5500, 'AED 375', 'https://www.alhilalbank.ae/islamic-loan', 5.50, 10.80),

-- SME Business Loan (idloantype = 8)
('FAB SME Growth Loan', 'Funding for small and medium businesses in UAE.', 8, (SELECT idbanks FROM banks WHERE bankcode = 'FAB'), 15000, 'AED 1500', 'https://www.bankfab.com/sme-loan', 8.50, 15.80),
('RAKBANK Business Expansion Loan', 'Support for SMEs looking to grow operations.', 8, (SELECT idbanks FROM banks WHERE bankcode = 'RAKBANK'), 12000, 'AED 1200', 'https://www.rakbank.ae/sme-expansion', 9.00, 16.50),
('ADCB Enterprise Loan', 'Flexible financing for startups and SMEs.', 8, (SELECT idbanks FROM banks WHERE bankcode = 'ADCB'), 10000, 'AED 1000', 'https://www.adcb.com/sme-enterprise', 8.75, 16.00);



INSERT INTO `loanfeatures` (`loanshortfeature`, `loanfeatureDetails`, `idloan`) VALUES
-- Loan 1: ENBD Salary Transfer Loan
('Fast Approval (24h)', 'Get approved within 24 hours with minimal documents.', 1),
('Loan up to AED 1,000,000', 'High loan amount based on income and stability.', 1),
('Low Reducing Rate', 'Competitive reducing interest rate for long-term savings.', 1),

-- Loan 2: FAB Instant Loan
('Instant Disbursement', 'Funds credited within 24 hours of approval.', 2),
('Flexible Tenure (12–84 months)', 'Choose repayment period that suits your budget.', 2),
('Prepayment Allowed', 'Close your loan early without penalties.', 2),

-- Loan 3: Mashreq Neo Personal Loan
('100% Digital Process', 'Apply online with no branch visit required.', 3),
('No Processing Fee', 'Zero processing fee for salary transfer customers.', 3),

-- Loan 4: DIB Salary Finance
('Sharia-Compliant', 'Fully compliant with Islamic banking principles.', 4),
('Grace Period Available', '3-month moratorium on repayment start.', 4),

-- Loan 5: CBD Quick Cash Loan
('Same-Day Approval', 'Quick verification and same-day decision.', 5),
('Low Minimum Income (AED 4,000)', 'Ideal for mid-income earners.', 5),

-- Loan 6: ADCB Debt Consolidation Loan
('Debt Consolidation Support', 'We assist in closing your existing loans.', 6),
('Lower EMI Guarantee', 'Reduce your monthly burden by up to 40%.', 6),

-- Loan 7: EIB Buy Out Finance
('Free Balance Transfer', 'No fee for transferring existing loan balances.', 7),
('Dedicated Relationship Manager', 'Personal support throughout the process.', 7),

-- Loan 8: HSBC Balance Transfer Loan
('Global Banking Support', 'Backed by HSBC’s international network.', 8),
('Multi-Currency Option', 'Loan disbursement in AED, USD, or EUR.', 8),

-- Loan 9: Standard Chartered Insta Loan
('Flexible Documentation', 'Accepts bank statements instead of salary certificates.', 9),
('Freelancer-Friendly', 'Open to self-employed professionals.', 9),

-- Loan 10: Liv Bank Debt Swap
('Lowest EMI in Market', 'Optimized repayment structure for affordability.', 10),
('Online Tracking Portal', 'Monitor your loan status in real time.', 10),

-- Loan 11: Deem Flexi Loan
('No Salary Transfer Needed', 'Apply without transferring your salary account.', 11),
('Freelancer & Contractor Eligible', 'Designed for gig economy workers.', 11),
('Digital KYC Only', 'Complete onboarding via app with e-signature.', 11),

-- Loan 12: UAB Freedom Loan
('No Hidden Charges', 'Transparent fee structure with full disclosure.', 12),
('Flexible Repayment Dates', 'Choose EMI date matching your salary cycle.', 12),

-- Loan 13: RAKBANK Express Loan
('Quick Approval (48h)', 'Fast-track processing for urgent needs.', 13),
('UAE Resident Eligible', 'Open to expats with valid residency.', 13),

-- Loan 14: NBQ Personal Finance
('Ajman-Focused Service', 'Local support for Ajman residents.', 14),
('Low Processing Fee', 'Only 1% of loan amount.', 14),

-- Loan 15: Invest Bank Non-ST Loan
('High Loan Amount (up to AED 1.5M)', 'Premium product for high-income earners.', 15),
('Customized Tenure', 'Tenure from 12 to 120 months.', 15),

-- Loan 16: ADIB Private Sector Loan
('Private Company Friendly', 'Accepts employees from SMEs and startups.', 16),
('Minimal Documentation', 'Only 3 documents required.', 16),

-- Loan 17: SIB Corporate Staff Loan
('Islamic Compliance', 'All products Sharia-certified.', 17),
('Group Discount Available', 'Special rates for company-wide applications.', 17),

-- Loan 18: NBF SME Employee Loan
('Fujairah & RAK Focus', 'Preferred lender for northern emirates.', 18),
('Salary Certificate Waived', 'Bank statement accepted instead.', 18),

-- Loan 19: CBI Private Firm Finance
('Fast Turnaround', 'Decision within 3 working days.', 19),
('Online Application', 'Apply via mobile app or web portal.', 19),

-- Loan 20: Al Hilal Business Associate Loan
('Abu Dhabi Priority', 'Best rates for Abu Dhabi residents.', 20),
('Government Employee Discount', 'Extra benefits for govt staff.', 20),

-- Loan 21: Mashreq Neo New Resident Loan
('New to UAE? No Problem!', 'Accepts 3 months of bank statements.', 21),
('No Employment Contract Needed', 'Bank statement + visa sufficient.', 21),

-- Loan 22: FAB New to UAE Loan
('Welcome Bonus AED 500', 'Credit on disbursement for new residents.', 22),
('Flexible Eligibility', 'Accepts short employment history.', 22),

-- Loan 23: Emirates NBD Fresh Start Loan
('New Job? We Understand', 'For employees in first 6 months.', 23),
('Digital Onboarding', 'Apply from home with e-KYC.', 23),

-- Loan 24: Dubai First New Joiner Loan
('Instant Approval', 'AI-powered decision engine for speed.', 24),
('No Minimum Salary Certificate', 'We verify via bank flow.', 24),

-- Loan 25: HSBC Newcomer Advantage
('Global Income Considered', 'Previous country income accepted.', 25),
('Premium Customer Service', 'Dedicated expat support team.', 25),

-- Loan 26: ADCB Emirati Personal Loan
('Exclusive for UAE Nationals', 'Special privileges and lower rates.', 26),
('Family Co-Signer Allowed', 'Apply with family member support.', 26),

-- Loan 27: ADIB Citizen Finance
('Waived Annual Fee', 'No annual charges for citizens.', 27),
('Flexible Repayment Holidays', 'Take up to 3 EMI breaks per year.', 27),

-- Loan 28: Ajman Bank National Loan
('Nationals Priority Queue', 'Faster processing for UAE citizens.', 28),
('Lowest Rate in Market', 'As low as 5.0% flat for eligible applicants.', 28),

-- Loan 29: City Bank Citizen Advantage
('Premium Banking Bundle', 'Free credit card + insurance included.', 29),
('Loyalty Rewards', 'Earn points redeemable for travel or cash.', 29),

-- Loan 30: DIB Al Islami Personal Finance
('Zero Riba (Interest)', '100% Sharia-compliant structure.', 30),
('Profit Rate Lock', 'Fixed profit rate for entire tenure.', 30),

-- Loan 31: Emirates Islamic Personal Finance
('Flexible Repayment Options', 'Choose monthly, quarterly, or lump sum.', 31),
('No Foreclosure Charges', 'Close loan anytime without fees.', 31),

-- Loan 32: Al Hilal Islamic Loan
('Transparent Pricing', 'All costs disclosed upfront.', 32),
('Charity Contribution Option', 'Optional zakat-linked repayment.', 32),

-- Loan 33: FAB SME Growth Loan
('Up to AED 5M Funding', 'For growing SMEs with 2+ years in business.', 33),
('Business Advisory Included', 'Free financial planning sessions.', 33),

-- Loan 34: RAKBANK Business Expansion Loan
('Project-Based Financing', 'Fund specific business projects.', 34),
('Co-Branding Support', 'Marketing support for your business.', 34),

-- Loan 35: ADCB Enterprise Loan
('Startup-Friendly', 'Accepts business plans instead of 2-year history.', 35),
('Online Disbursement Tracking', 'Real-time fund release updates.', 35);


INSERT INTO `loanoffers` (`loanofferDetails`, `idloan`) VALUES
('0% Processing Fee for First 100 Applicants!', 1),
('Special Rate: 6.0% Flat for Govt Employees', 2),
('Free Life Insurance Cover (up to AED 100,000)', 3),
('Waived Annual Fee for First Year', 4),
('Bonus AED 1,000 Credit on Disbursement', 5),
('Buy Out: Get 0.5% Cashback on Transfer', 6),
('EIB Customers: Extra 0.25% Discount', 7),
('HSBC International Relocation Package', 8),
('Digital App Users: AED 300 Voucher', 9),
('Referral Bonus: AED 500 per Friend', 10),
('Deem App Exclusive: Fastest Approval', 11),
('UAB Loyalty Program: Tiered Rewards', 12),
('RAKBANK: Free Credit Report', 13),
('NBQ: 2 Months Free EMI', 14),
('Invest Bank: Free Financial Consultation', 15),
('ADIB: Free Mobile Recharge (AED 100)', 16),
('SIB: Waived Documentation Fee', 17),
('NBF: Business Banking Bundle', 18),
('CBI: Free Visa Renewal Assistance', 19),
('Al Hilal: Family Loan Discount', 20),
('Mashreq Neo: AED 250 Amazon Gift Card', 21),
('FAB: Welcome AED 500 Bonus', 22),
('ENBD: Free Fuel Voucher (AED 200)', 23),
('Dubai First: Instant Approval Guarantee', 24),
('HSBC: Global Support Hotline', 25),
('ADCB: Emirati National Day Offer', 26),
('ADIB: Ramadan Financing Discount', 27),
('Ajman Bank: Family Co-Signer Bonus', 28),
('City Bank: Premium Customer Upgrade', 29),
('DIB: Profit Rate Lock for 3 Years', 30),
('Emirates Islamic: No Foreclosure Fee', 31),
('Al Hilal: Transparent Pricing Pledge', 32),
('FAB SME: Free Business Workshop', 33),
('RAKBANK: Co-Branding Allowance', 34),
('ADCB: Startup Grant (AED 5,000)', 35),
('Limited Time: Double Loyalty Points', 1),
('Exclusive: Early Bird Discount 0.5%', 3),
('Seasonal Offer: June 2025 Promo', 6),
('Partner Offer: With Etihad Guest', 8),
('Student & Graduate Discount', 23),
('Women Entrepreneur Special Rate', 33);


INSERT INTO `loanbenefits` (`loanbenefitCategory`, `loanbenefitDetails`, `idloan`) VALUES
('Approval Process', 'Instant e-approval with AI-powered verification.', 1),
('Customer Support', '24/7 WhatsApp and phone support.', 1),
('Finance Model', 'Fully Sharia-compliant with AAOIFI standards.', 4),
('Flexibility', '3-month moratorium available after disbursement.', 4),
('Savings', 'Save up to 35% on total interest with reducing rate.', 6),
('Transparency', 'No hidden charges – full cost breakdown provided.', 6),
('Eligibility', 'Open to freelancers and contract workers.', 11),
('Repayment', 'Choose EMI date matching your salary cycle.', 11),
('Documentation', 'Only 3 documents required: ID, visa, bank statement.', 16),
('Speed', 'Decision within 24–48 hours.', 16),
('Support', 'Dedicated relationship manager for SME clients.', 33),
('Value Add', 'Free business advisory and financial planning.', 33),
('Customer Experience', '100% digital onboarding with e-signature.', 3),
('Security', 'Biometric login and end-to-end encryption.', 3),
('Inclusivity', 'Accepts applicants with 3 months of UAE residency.', 21),
('Flexibility', 'No employment contract required – bank flow sufficient.', 21),
('National Priority', 'UAE citizens get priority processing and lower rates.', 26),
('Family Support', 'Co-signer from family allowed for higher eligibility.', 26),
('Profit Model', 'Fixed profit rate for entire tenure – no surprises.', 30),
('Ethics', 'No late penalties – only charitable reminders.', 30),
('Business Growth', 'Funding for expansion, inventory, or equipment.', 33),
('Marketing', 'Co-branded campaigns supported by the bank.', 34),
('Startup Friendly', 'Accepts business plan instead of 2-year history.', 35),
('Digital Access', 'Track disbursement and repayment via mobile app.', 35),
('Prepayment', 'No penalty for early or partial repayment.', 2),
('Tenure', 'Flexible repayment from 12 to 84 months.', 2),
('Transparency', 'All fees disclosed in offer letter.', 12),
('Service', 'Branch and online support available.', 12),
('Documentation', 'Salary certificate not mandatory.', 19),
('Speed', 'Fast-track processing in 3 working days.', 19),
('Rewards', 'Earn loyalty points redeemable for travel.', 29),
('Bundle', 'Free credit card and insurance included.', 29),
('Relocation', 'Global income considered for eligibility.', 25),
('Support', 'Dedicated expat onboarding team.', 25),
('Insurance', 'Free life cover up to AED 100,000.', 3),
('Cashback', '0.5% cashback on balance transfer.', 6),
('Digital', 'Apply via app with facial verification.', 9),
('Sustainability', 'Green loan initiative – plant a tree per loan.', 14),
('Community', 'Support for local SMEs and startups.', 34),
('Innovation', 'AI-driven credit scoring for fair assessment.', 24),
('Loyalty', 'Tiered rewards for long-term customers.', 12),
('Convenience', 'EMI date customizable to your salary cycle.', 13),
('Accessibility', 'Available to residents of all 7 emirates.', 17),
('Stability', 'Backed by one of UAE’s largest financial groups.', 23);