It would be better to avoid taking out large loans in the UAE altogether. The banking system is very different from the ones you may be used to and is often used just to separate the expat from his money. For example, good used cars in the UAE are cheap and could easily be bought for cash. Your western credit card should work perfectly there as well and you would do well to avoid the local cards which they will try to get you to take. You would be very well advised to use your UAE bank account only to get your hard earned money out of the UAE. Most local banks will offer one or two free transfers per month although it is worth checking if these are standing orders or if you have to turn up at your branch and sign forms.
In short if you keep your western account and card running and channel all your finances through that you will be far more fireproof during your time in the UAE.