Personal Finance Products

Murabaha Finance for Individuals

Real Estate Finance

This product meets the financing needs of customers who have an income to purchase (lands, ready-made real estate, under-construction/skeleton real estate...).

Key Features and Conditions of the Product

Important features for domiciled salaries and transferred installments:
Reduction of the profit rate.
Increase in the financing duration.
Reduction of the minimum financing amount.

Financing duration: Reaches up to 120 months.

Financing: Reaches up to 75% of the real estate price.

Profit: Fixed and does not change throughout the financing period.

Minimum financing amount: /10 thousand/ Syrian Pounds.

Guarantees/Collateral

The real estate itself, or any other real estate acceptable to the bank, or a cash guarantee.

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Finishing and Building Materials

This product meets the needs of customers who have an income to purchase building and finishing materials for the purpose of finishing real estate or renovating it.

Key Features and Conditions of the Product

Important features for domiciled salaries and transferred installments:
Reduction of the profit rate.
Increase in the financing duration.
Reduction of the minimum financing amount.

Financing: Reaches up to 70% (without a down payment of the price).

Financing duration: Reaches up to 120 months.

Profit: Fixed and does not change throughout the financing period.

Minimum financing amount: 5 thousand Syrian Pounds.

Guarantees/Collateral

The real estate itself or any other real estate acceptable to the bank.

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Goods Finance

Your inventory is stronger... and your business grows!

It is a specialized Islamic financing solution to enable professionals, pharmacists, and merchants to support their working capital and enhance their commercial inventory. This product allows you to purchase medicines, commercial goods, and raw materials according to financing formulas that are fully compliant with the provisions of Islamic Sharia, which ensures your business continuity and meets your customers' needs efficiently and without interruption.

Key Features

Exceptional and multiplied financing: The bank gives you strong financial backing to support your inventory and cover shortages, with a massive financing volume reaching up to 18 times the documented monthly income.

Support and diversity of sectors: The financing covers a wide range of needs (purchasing medicines for pharmacies and medical warehouses, various commercial goods, and raw materials for different facilities).

Maintaining continuity of activities: It helps you exploit commercial opportunities and provide goods during high-demand seasons without draining your current cash liquidity.

Easy repayment plans: Comfortable and flexible repayment options and monthly installments that fit your business sales cycle and cash flows.

Service available everywhere: You can benefit from this financing by submitting your application at any of the bank's branches spread across all governorates.

Parameters and Conditions (Financial Limits)

Ceiling calculation criterion: The volume of granted financing is calculated based on solvency and with a ceiling not exceeding 18 times the monthly income of the customer.

Maximum financing limit:
3,000,000 Syrian Pounds: For scientific and intellectual professionals and syndicate members only (such as pharmacists, doctors, engineers).
1,000,000 Syrian Pounds: For merchants and commercial activity owners.

Minimum financing limit: Starts from 5,000 Syrian Pounds for all target groups.

Documents and Provisions: Submitting the financing application accompanied by the required documents (such as proof of income, commercial registration, or professional license), and the application is subject to the study and credit regulations approved by the bank.

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Durable Consumer Goods

This product meets the financing needs of customers who have an income to purchase furniture, furnishings, and electrical appliances.

Key Features and Conditions of the Product

Special features for domiciled salaries and transferred installments:
Reduction of the profit rate.
Increase in the financing duration.
Reduction of the minimum financing amount.

Financing: Reaches up to 100% of the price (without a down payment).

Financing duration: Reaches up to 60 months.

Minimum financing amount: 5 thousand Syrian Pounds.

Maximum financing amount: 1 million Syrian Pounds.

Profit: Fixed and does not change throughout the financing period.

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Medical and Laboratory Equipment

Develop your equipment... and elevate your services!

It is a specialized Islamic financing solution designed to support your ambitious plans in establishing, updating, or equipping your clinic, laboratory, or medical center with the latest medical equipment and technologies. The financing is carried out through formulas that are fully compliant with the provisions of Islamic Sharia, allowing you to provide outstanding healthcare and expand the scope of your business with easy installments.

Key Features

Flexible financing that suits your solvency: The bank grants you a strong financial advantage to obtain the equipment you need with a financing ceiling of up to twice the monthly income.

Keeping pace with digital medical development: It allows you to purchase and equip your clinic or laboratory with the latest medical and diagnostic devices and supplies to raise the efficiency and accuracy of your services.

Comfortable repayment plans: Easy monthly installments distributed over flexible time periods to suit the cash flows of your business and ease immediate financial burdens.

Preserving operational capital: It ensures you obtain capital assets and modern medical equipment without draining your daily cash liquidity.

Comprehensive coverage and wide presence: The service is available through the bank's network of branches spread across all governorates to serve medical professionals wherever they are.

Parameters and Conditions (Financial Limits)

Maximum financing limit: Reaches up to 5,000,000 Syrian Pounds as a maximum for the value of the granted financing.

Minimum financing limit: Starts from 5,000 Syrian Pounds.

Calculation criterion: The volume of financing granted to the purchase orderer is calculated based on financial solvency and with a ceiling reaching up to 25 times the documented monthly income of the customer.

Documents and Provisions: Submitting the financing application through any of the bank's branches, and the application is subject to the study, credit decision, and regulations approved by the bank.

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Electronic Devices

A product that meets the financing needs of customers who have an income to own various electronic equipment, including cellular phone devices, desktop computers, and laptops.

Key Features of the Product

Important features for domiciled salaries and transferred installments:
Reduction of the profit rate.
Increase in the financing duration.
Reduction of the minimum financing amount.

Financing: Reaches up to 100% of the price (without a down payment).

Financing duration: Reaches up to 60 months.

Minimum financing amount: 5 thousand Syrian Pounds.

Maximum financing amount: 1 million Syrian Pounds.

Profit: Fixed and does not change throughout the financing period.

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Alternative Energy

Financing to purchase and install alternative energy systems, such as solar panels and their accessories. Product details coming soon.

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Pre-Approval

It is a "Pre-Approval" product (your approval in advance), which is a product to support the financing of individuals and owners of small and medium enterprises, in which the bank provides a fast approval for individuals for the purpose of obtaining the required financing.

The product is based on granting a fast approval to the customer in the event that they bring the basic papers, by providing them with a letter signed by the bank informing them of an initial approval to grant them financing of a specific amount and within conditions related to the real estate, documents, and evaluation, provided that the bank is later provided with the completion of the approval in terms of the guarantee/collateral and the purpose of the financing.

Product Features

Period for obtaining the initial approval: 24 working hours for those whose salaries are domiciled with the bank.

Granting fast financing approval for individuals.

Facilitating payment and approval procedures: Providing flexible installment solutions with the possibility of a grace period.

Sharia compliance: Providing an Islamic financing alternative that fully complies with the Sharia regulations that govern buying and selling operations.

The customer enters the purchase process carrying a pre-approval.

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Ijarah Finance Services for Individuals

Travel and Medical Services Ijarah

Your next trip and healthcare... in safe hands!

It is an innovative Islamic financing solution based on the Ijarah formula, which is fully compliant with the provisions of Islamic Sharia. It is designed to meet your personal ambitions and needs, whether for religious, recreational, or therapeutic purposes. The product allows you to pay the costs of your trips (Hajj, Umrah, tourism, and travel) in installments, or to cover the expenses of medical services and surgical operations with easy installments that guarantee your peace of mind.

Key Features

Multiplied financing for your comfort: Get excellent financial coverage for your trip or treatment with a financing ceiling of up to 12 times your documented monthly income.

Broad and comprehensive coverage: The financing includes all types of trips (religious pilgrimages such as Hajj and Umrah, tourist trips, and travel tickets) along with various medical services and care.

Comfortable repayment plans: The bank grants you high flexibility by splitting the total costs into easy monthly installments that ease your immediate financial burdens and suit your income.

Parameters and Conditions (Financial Limits)

Maximum financing limit: Reaches up to 1,000,000 Syrian Pounds as a maximum for the value of the granted financing.

Minimum financing limit: Starts from 2,500 Syrian Pounds.

Ceiling calculation criterion: The financing volume is calculated based on the customer's financial solvency and with a ceiling not exceeding 12 times the documented monthly income.

Documents and Provisions: The financing application is submitted through the branch, accompanied by supporting documents (such as proof of income, price quotation from the tourism company or hospital), and the application is subject to the study and credit regulations approved by the bank.

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Education Ijarah

An integrated product to finance the education benefit of schools, universities, and institutes for customers who have an income (or for the guarantor).

This product includes financing the education service and all its attachments such as (transportation fees, books...) in a way that guarantees obtaining the best educational levels in accordance with agreements signed with an important group of local schools, training institutes, and universities.

Key Features of the Product

Financing duration: Reaches up to 48 months.

Financing: Reaches up to 100% of the service price.

Profit: Fixed and does not change throughout the financing period.

Financing: Up to /1/ million Syrian Pounds.

Minimum financing amount: 2,500 thousand Syrian Pounds.

Important features for domiciled salaries and transferred installments: (Reduction of the profit rate, increase in the financing duration, exemption from providing a down payment).

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Musawama Finance Service for Individuals

Instalment Campaign

A Cham Bank campaign that lets you buy what you need in easy instalments, through a Musawama structure compliant with Islamic Sharia.

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