How does Murabaha work?
The product you choose is purchased by the Bank and then sold to you under transparent terms.
The customer selects the asset.
The asset may include raw materials, trade goods, equipment, materials required for production, or movable or immovable property needed for the customer’s business activities.
The Bank purchases the asset from the seller.
Within the Murabaha framework, the Bank first buys the selected goods or asset in its own name (ownership of the asset is transferred to the Bank).
The Bank sells the asset to the customer with a pre-agreed profit.
The agreed fixed sale price consists of the purchase cost and a clearly defined profit margin, which does not change afterward.
Payments are made in equal installments over the agreed period.
The customer makes payments in equal installments according to the fixed amount and schedule specified in the contract.
How does Murabaha work?
The product you choose is purchased by the Bank and then sold to you under transparent terms.
The customer selects the asset.
The asset may include raw materials, trade goods, equipment, materials required for production, or movable or immovable property needed for the customer’s business activities.
The Bank purchases the asset from the seller.
Within the Murabaha framework, the Bank first buys the selected goods or asset in its own name (ownership of the asset is transferred to the Bank).
The Bank sells the asset to the customer with a pre-agreed profit.
The agreed fixed sale price consists of the purchase cost and a clearly defined profit margin, which does not change afterward.
Payments are made in equal installments over the agreed period.
The customer makes payments in equal installments according to the fixed amount and schedule specified in the contract.
Use our service
Murabaha is an interest-free financing tool based on a real asset and structured around a sale model with a pre-agreed profit margin.
Interest-free model
Murabaha does not operate like a traditional loan, it is based on the principle of buying and selling a real asset. Therefore, no interest is applied.
Sharia-compliant
The asset price and the Bank’s profit are clearly agreed upon in advance.
Transparent terms
Murabaha is a financing method designed in accordance with Islamic principles.
Fixed payments
The payment amount and term remain fixed, and all conditions are determined in advance.
Frequently asked questions
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