Murabaha Consumer
<p>Financing for the acquisition of material assets for the consumer needs of individuals and individual entrepreneurs.</p>
Islamic Window
| Target Group | Individuals, individual entrepreneurs. |
| Client Age | From 20 to 70 years old (at the date of full repayment). |
| Purpose of Financing | Acquisition of material assets for consumer needs. |
| Source of Financing | Own funds of "Eldik Bank" OJSC. |
| Financing Currency | Kyrgyz Som (KGS). |
| Down Payment | Possible. |
| Net Financing Amount | From 20,000 KGS or equivalent in other currencies. |
| Markup Rate | According to the current Scale of markups and terms. |
| Financing Term | According to the current Scale of markups and terms. |
| Repayment Schedule | Annuity, flexible schedule. |
| Takaful Insurance | CASCO for the entire duration of the financing, or annually with subsequent renewal until full repayment. |
| Sharia Compliance | Financing is prohibited for activities that contradict Sharia norms and principles, including the production and trade of alcohol, tobacco, military products, pork-related goods, as well as gambling and betting industries, etc. |
Collateral security
-
Up to 300,000 KGS (inclusive) — unsecured.
-
From 300,001 to 500,000 KGS (inclusive) — movable property or a guarantor.
-
From 500,001 to 1,000,000 KGS (inclusive) — vehicle.
-
From 300,001 KGS and above — real estate or funds held in accounts at "Eldik Bank" OJSC.
