If you go to HR Direct check on your pay do you have a grantee letter or transfer letter if you have a transfer Letter you don’t need a clearance letter!
When you take your provident fund chose option 3 as i recall. The option where you get your money cash from emirates you don’t want them to transfer your money to your bank. They will take towards the loan. I have both a mortgage and a personal loan that I am paying and no longer working for EK.