Financing & Banks

(Pakistan only)

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Ijarah (rental-based, interest-free)

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Diminishing Musharaka / RV model

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Diminishing Musharaka

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Musharaka-cum-Ijarah; rentals 􀆟ed to KIBOR

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Islamic Financing

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Fixed/Variable: 1Y KIBOR + 3.5% - 5.5% for 4-5 years Bank AL Habib

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Fixed markup ~15% for 5-year tenure (approx.)

meezan-bank

Fixed markup ~16.5% for 5-year tenure

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Fixed rate 14.40% or Variable: KIBOR + 2.75%

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Diminishing Musharaka (Roshan Apni Car)

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Floating: KIBOR + 5.25% (new customers, 4-5 years)


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