• Unique (rent & buy fundaments).
• Proof of ownership option under the Customer’s name.
• New investment or refinancing is allowed.
• Can be new or used product (according to the Bank criteria)
• Flexible period (3 to 8 years), except for New Shop Financing may up to 20 years.
• Better cash flow.
• Better ROA and ROE.
• Better Financing to Value (Housing Credit – IMBT)

Providing investment product/working capital (refinancing) which can be used by the Customer for a particular period according to the necessity.

1. Wakalah & Leasing (IMBT) contract.
2. The Customer will buy the asset with Bank’s authority (wakalah).
3. Leasing object repayment to the Supplier.
4. Leasing object is handed over to the Customer.
5. Rent fee payment
6. Buy and sell/hibah of Leasing Object from the Bank to the Customer at the end of the period.

1. Immovable Object.
• Factory/Warehouse/Shop/Office/Office Space/any other business site.
• Housing (Housing Credit)


2. Movable Object (ABF)
• Heavy Equipment/HE (e.g. excavator, motor grader, etc.)
• Commercial Truck Vehicle/CTV (e.g. dump truck, etc.)
• General Asset Finance/GAF (e.g. printing machine, forklift, crane, etc.)
• Marine (e.g. Tug & Barge, Vessel, etc.)

An administration fee, stamp fee, notary fee, insurance fee, compensation fee (ta’widh) if there is a late repayment of the instalment.