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	Home Financing
	Our home financing facility allows the customers to finance the purchase of all types of residential properties. This facility is based on the contract of Bai Bithaman Ajil, which means a deferred installment sale for a specific period to finance the acquisition of assets. When a customer requests for this facility, the Bank determines his financing requirements in relation to the duration and manner of repayment and seeks necessary approval. Upon approval, the Bank purchases the property and subsequently sells the property to the customer at an agreed price, which comprises the Bank's actual cost and profit margin. The selling price must be mutually agreed upon between the Bank and the customer, who will pay the selling price to the Bank by monthly installments.