Tawarruq Term Financing-i

Tawarruq Term Financing-i

Tawarruq Term Financing-i (TTF-i) is a financing facility for various Shariah compliant purposes in the case where the Bank is not able to grant financing under concept of Ijarah, Musharakah Mutanaqisah, Murabahah or Istisna’.

Shariah Concept

This product is structured under the Shariah concept of Tawarruq where the customer enters into an arrangement with the Bank to obtain financing. The Bank buys commodity and sells it to the customer at the Bank’s Sale Price. The Sale Price represents the Bank’s cost and profit margin of the financing and shall be paid by the customer based on agreed terms. The customer then, appoints the Bank as its agent to sell the commodity of its behalf.


  1. Sole Proprietors
  2. Partnerships
  3. SMEs
  4. Private & Public Limited Co
  5. Government / Statutory Bodies


  1. Acquisition of property such as shophouse/factory
  2. Refinancing; on very selective basis
  3. Conversion of existing accounts (subject to pre-determined future cash flow to service financing)


  1. Competitive pricing rate and margin of financing
  2. Globally accepted Shariah concept used


With your financial needs well taken care of, our promise to you is that we'll stand by your side throughout our relationship. At AFFIN ISLAMIC, we become your trusted confidant the moment you share your vision with us.

For more details, please contact our Contact Centre at 03-8230 2222, or visit the nearest AFFINBANK / AFFIN ISLAMIC branch today.

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