MBANK Launches an Islamic Finance Special Offer with Favorable Terms for Clients
 

MBANK launches a special offer based on Islamic principles, offering favorable conditions to achieve various goals that align with Sharia law.
 

The advantages of Islamic financing under the Murabaha agreement lie in the transparency and ethical nature of the terms. The bank offers attractive profit rates and terms suitable for both personal needs and business purposes. Additionally, the offer includes options for auto financing without an initial deposit and favorable terms for mortgage and business financing.
 

Mortgage Financing Special Offer under the Murabaha Agreement – Favorable Conditions for Real Estate Purchases
 

This offer provides an opportunity to purchase not only residential properties but also commercial real estate under favorable conditions. Flexible financing terms are available to suit various situations, making real estate purchases more accessible and comfortable.
 

Financing Amount and Profit Rate
 

• 
  Up to 21,000,000 KGS for purchasing commercial real estate
   
  • Annual Profit Rate: from 17% (markup of 9.45% per year)
  • Down Payment: from 50% of property value
  • Financing Term: up to 96 months
  • Currency: KGS
  • Offer Valid Until: June 30, 2025
• 
  Up to 10,000,000 KGS for purchasing residential real estate
   
  • Annual Profit Rate: from 18% (markup of 10.02% per year)
  • Down Payment: from 20% of property value
  • Financing Term: up to 96 months
  • Currency: KGS
  • Offer Valid Until: June 30, 2025

Auto Financing Special Offer under the Murabaha Agreement – The Ideal Offer for Car Purchases
 

This offer provides favorable terms for purchasing passenger cars, including options with no initial deposit and different rates depending on the loan amount and collateral conditions.
 

Financing Amount and Profit Rate
 

• Up to 1,000,000 KGS:
  • No Initial Deposit
  • Annual Profit Rate: from 22% (markup of 12.31% per year)
  • Financing Term: up to 60 months
• Up to 2,500,000 KGS:
  • Initial Deposit: from 10% to 30% of the car's value
  • Annual Profit Rate: from 21% (markup of 11.74% per year)
  • Financing Term: up to 60 months
• Up to 5,000,000 KGS:
  • Initial Deposit: from 30% or higher, or with real estate collateral of at least 30% of the total collateral value
  • Annual Profit Rate: from 20% (markup of 11.16% per year)
  • Financing Term: up to 60 months

Offer Valid Until: June 30, 2025
 

Murabaha Business and Consumer Financing Special Offer – Favorable Conditions for Business and Personal Needs
 

The Murabaha Business and Murabaha for Consumer Needs products are designed to finance businesses, agricultural projects, and the purchase of goods for any purposes that align with Sharia law standards.
 

Financing Amount and Profit Rate
 

• Up to 500,000 KGS — No collateral or guarantees, profit rate from 21%per year.
• Up to 1,000,000 KGS — Financial guarantee or auto collateral, profit rate from 20% per year.
• For business/agro development (up to 36 months) with real estate collateral — profit rate from 17% per year.
• For purchasing any goods (up to 60 months) with real estate collateral — profit rate from 18% per year.

Currency: KGS
Offer Valid Until: June 30, 2025