jordan
Egypt
Tunisia
Sudan
Bahrain
Turkey
South Africa
Algeria
Lebanon
Syria
Pakistan
Libya
Iraq
Achieve your dream and own your property. We offer you ijarah muntahia bittamleek product, with a competitive profit return, and we help you secure the future for you and your family.
Through ijarah muntahia bittamleek product, the bank owns the assets (apartments, houses, lands, ...), then leases them for a specified fee for a known period according to terms agreed upon between the two parties (the bank and the customer), with a promise from the bank to the lessee (the customer) to assign to him for the leased asset, and to convey his ownership to him at the end of the contract period as ex gratia after paying the required rents.
The campaign starts on 1 JAN 2026 and ends on 31 MAR 2026
| Housing finance leasing | Payment period/year | Salaries transferred | Un-transferred Salaries |
| 1-7 | 3.66% | 4.50% | |
| 8-15 | 3.99% | 4.75% | |
| 16-20 | 4.25% | 5.00% | |
| 21-25 | 4.99% | 5.50% |
Advantages of Ijarah Muntahia Bittamleek:
- Competitive rental income.
- Without credit granting commission / finance execution commission, amounting to (1%).
- Repayment period of up to 25 years for apartments and houses (and repayment period of up to 25 years and under specific conditions for apartments, houses and residential lands).
- Possibility of financing without a down payment (accelerated rental payment).
- The possibility of approving and including family income from the first degree for joint financing.
- Acceptance of advance rental payments and early settlement.
The Required Documents :
- Offer to sell the property signed by the owner
- A registration deed for the property.
- An organizational site chart
- Land Chart
- The initial approval of the guarantor- if any.
- Identification documents.
- Proofs of income (salary certificate - salary transfer continuity).
- Certificate of registration and profession license for those with self-employment
Terms and Conditions:
- The applicant's total liabilities, including those owed to us and others, must not exceed 50% of their proven income.
- The applicant is eligible for mutual insurance coverage (subject to the terms and conditions of the Mutual Insurance Fund).
- Financing may reach up to 100% (depending on the applicant's circumstances).
New Services
You can now update your information through the "Islami Mobile" application, Without the need for that, visit the branch and without the need to communicate with the customer service center with ease and accuracy.
The Smartphone App is Available on the Following stores, Download the App now:
