القرض الشخصي فيه الفايدة والمصاريف الادارية.

The personal loan has interest and administrative fees.

Breakdown of القرض الشخصي فيه الفايدة والمصاريف الادارية.

• فيه: there is
• القرض الشخصي: the personal loan
• الفايدة: the interest (finance)

Questions & Answers about القرض الشخصي فيه الفايدة والمصاريف الادارية.

How would I pronounce the whole sentence in Egyptian Arabic?

A natural pronunciation is:

el-ʔarḍ esh-shakhsi fīh el-fāyda wel-maṣārīf el-idāriyya

A few quick notes:

• ق in Egyptian Arabic is often pronounced like a glottal stop ʔ, so القرض sounds like el-ʔarḍ.
• الشخصي is pronounced esh-shakhsi, not el-shakhsi, because of sound assimilation with ش.
• و attaches to the next word, so والمصاريف is pronounced wel-maṣārīf.

What does فيه mean here?

Here فيه literally means in it, but in this kind of sentence it works more naturally as:

• it has
• it contains
• it includes

So القرض الشخصي فيه الفايدة والمصاريف الادارية is basically saying that the personal loan has/includes interest and administrative fees.

This is a very common Egyptian Arabic way to express that something contains or comes with something else.

Why is there no separate verb for has or includes?