The allowance is 45k, not 20k.
If you opt to take the Furnishing Allowance on joining, you will be given a one off payment of 45,000 AED to spend on appliances, furniture, and soft furnishings.
(Starter pack allowance is not given to those selecting the Housing Allowance / Furnishing Allowance).
This Furnishing Allowance is written off over a period of 5 years.
Should the employee leave within the 5 years, it would be calculated on a pro-rated amount and deducted from your salary.
Company accommodation is furnished with living/dining room/bedroom furniture with curtains and lamps provided as well as refrigerator, oven/stove top, dryer and washing machine. The cost of the furniture (up to 45 000 AED) is written off over a period of 5 years.
If you have chosen unfurnished accommodation, you will be given the Furnishing Allowance of 45,000 AED and you may buy furniture or use this money to bring your own furniture to Dubai. Please note that this amount is inclusive of the Starter Pack allowance. However, the starter pack can be provided upon request from staff prior to joining and this amount will be deducted from the Furnishing Allowance accordingly.