Ijarah Term Financing-i

Ijarah Term Financing-i

Ijarah Term Financing-i (ITF-i) is an Islamic contract that accommodates longer financing term. This facility allows the customer to lease an asset on fixed or variable rental rate for the usage of asset during the facility period. ITF-i also can be used to refinance existing customer’s asset for working capital purposes.

Shariah Concept

ITF-i is structured under the Shariah concept of Ijarah Muntahiah bil Tamleek (leasing ending with ownership). It involves the purchase of an asset by the Bank from either a third party or the customer at a Purchase Price and followed by the leasing out of the asset to customer. At the end of the Ijarah period or upon termination, the customer will purchase the asset from the Bank.


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


  1. Purchase of completed asset
  2. Refinancing of completed asset


  1. Competitive pricing rate and margin of financing
  2. Flexible Payment Period
  3. 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 Call Centre at 03-5522 3000 or visit our nearest AFFIN ISLAMIC branches.

Please click the following for more information on:

Tariff Charges insert_drive_file
Rates attach_money
Calculator phonelink_ring