Murabahah Term Financing-i

Murabahah Term Financing-i

Murabahah Term Financing-i (MTF-i) is a financing whereby the Bank will declares its cost and profits which literally means a sale on mutually agreed profit. It is could be a short or long term financing with fixed or variable profit rate throughout the financing period, so the customer are able to plan ahead for stable and sustainable growth with our financing solution.

Shariah Concept

MTF-i is a mark-up sale involving three parties, i.e. the Bank purchases the Asset from the Vendor/ Supplier and sells it to the customer at a Sale Price on a deferred payment basis. Bank shall adopt the Murabahah for Purchase Orderer (MPO) whereby the Bank acquires a specified Asset based on an undertaking by the Customer (the Purchase Orderer) to purchase the same from the Bank. Subsequently the Bank sells the Asset to Customer at a Sale Price inclusive of its cost and profit margin. In practice, the Bank shall appoint the Customer as its Agent to source for the Asset as well as the details and payment terms for the Asset.


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


This product will be used to finance purchase of completed asset such as:

  1. Business Premises
  2. Land
  3. Factory
  4. Equipment


  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 Contact Centre at 03-8230 2222, or visit the nearest AFFINBANK / AFFIN ISLAMIC branch today.

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