Purchase of goods in installments with a transparent markup

Murabaha - financing according to Islamic principles

from 9,45% per annum

Minimum markup

up to 120 months

Maximum term

21 000 000 KGS

Maximum amount

Characteristics of the contract

What is the "Murabaha" agreement?

A Murabaha contract is a transaction in which a bank sells a product to a client on an installment plan, adding an agreed markup to the purchase price. The product may either be purchased in advance at the client's request or already belong to the bank.

Required condition

An obligatory condition of the Murabaha agreement is the indication and allocation of the markup in the sale price

Basics of the contract

The Murabaha agreement is a deferred payment or installment sale of goods

What can you buy?

Under the Murabaha agreement, you can purchase goods permitted by Sharia standards and the legislation of the KR (consumer goods, raw materials, household appliances, telephones, furniture, equipment, cars, houses, etc.)

Who can receive financing under a Murabaha agreement?

Individuals and sole proprietors conduction their activities within the territory of the Kyrgyz Republicin sectors that do not contradict the principles of Sharia

Select financing type

Mortgage financing

Sharia-compliant home financing — a halal way to purchase property with transparent, fair, and interest-free terms.

Murabaha for consumer purposes

Murabaha for consumer purposes — Sharia-compliant financing to purchase goods with transparent, fair, and interest-free terms

For the development of business

Тhe development of business — Sharia-compliant financing for purchasing goods, equipment, and growing your business with transparent and fair terms

Auto financing

Sharia-compliant auto financing — a halal way to purchase a vehicle with transparent, fair, and interest-free terms

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