Shariah-Compliant Co-Ownership with Diminishing Musharakah!
Diminishing Musharakah is a Shari’ah-compliant financing solution based on a partnership model, where the bank and the customer jointly own an asset such as property, equipment, or machinery. The customer gradually purchases the bank’s share through scheduled payments, while also paying rent on the bank’s portion. Over time, the bank’s ownership diminishes, and the customer becomes the sole owner of the asset.
This solution is ideal for corporate, commercial, and SME customers, offering competitive rental rates, flexible repayment options, and tailored security arrangements.
Achieve full ownership with ease. Apply for Diminishing Musharakah today!
| Description | Specific Product Details |
| Name of Product: | Diminishing Musharakah (for commercial property/plant & machinery, equipment, etc.) |
| Basis of Pricing/Return: | The rental amount is calculated with reference to a well-known benchmark as per prevailing market practices/dynamics, e.g. KIBOR |
| Financing Limits: |
|
| Tenors: | Up to 20 years |
| Target Customers: | Corporate/Commercial/SME |
| Security/Collateral: | On a case-to-case basis, e.g. hypothecation, the charge on assets, mortgage of properties, pledge, a lien on deposits, etc. as per facility approval |
| Repayment: |
|
