Retail Financing

Retail Financing: Retail financing can be defined as financing activities where the main emphasis is on service for individuals rather than businesses and corporate entities. It is a business segment which delivers financial services through a network of outlets and service points.

Home Financing

Real estate finance for building and purchasing houses
A House-Buyer Approaches an Islamic Bank Seeking to Cancel an Existing Contract in Order to Enter into a MurÉbaÍah Sale with the Bank
Can a Murabahah Deal for Real Estate Be Structured When the Purchase Undertaker Buys Half Up-Front Using Conventional Financing & Asks the Islamic Bank to Buy the Other Half?
Is It Allowed to Sell the Item Made through an Istisna‘ Contract before Its Completion?
What is the Price to be Written in the Contract of Murabaha?
Is it a Must from a Shariah Point of View to Know about The Origin of the Customer’s Money?
Is it Allowed to Contract on a Commodity with a Customer that is Binding to Another Party?
Is it Allowed to Contract a Murabahah whereby the Customer Has Paid an Amount to the owner of the Asset?
Is it Allowed for KFH to Ask for Compensation for Terminating the Contract of Sale?
Is it Allowed for Purchase a House in Order to Pay off the Debt owed by a Customer of KFH Department?
Is it Allowed to Purchase a Mortgaged Asset and Resell it to the Son of the Original Owner?
Is it Allowed to Purchase a Land upon which Villas are Being Constructed and Re-Sell The Land alone to Customers?
Is It Allowed to Terminate the Contract of BBA That Began To Give Effects of Ownership to Enter in a New BBA with the Same Customer?
What’s the Ruling on Risk Management of Housing Loans?
What’s the Fatwa Committee’s Opinion Regarding the Issuance of takaful Insurance for the Customers of ijarah muntahiyah bi al-tamlik?
Application of Ijarah Mawsufah fi al-Zimmah Concept in Financing for House under Construction Based on Musyarakah Mutanaqisah
Ibra’ in Home Financing Product Linked to a Wadi`ah or Mudarabah Deposit Account
Financing Product for House under Construction Based on Istisna` Muwazi, Ijarah Mawsufah fi al-Zimmah and Ijarah Muntahia bi al-Tamlik
What’s the Shariah Opinion Regarding Building Villas by KFH on a Land Owned by the Bank in Order to Be Sold to Customers Through Difference Methods?
The Condition of Delay Penalty in Murabahah Transactions
Cancellation in Order to Enter into Executed Transactions on Murabahah Basis
Stipulation to Repurchase Asset in Bai` `Inah Contract

Vehicle/Automobile Financing

Can a False Statement Be Made to the Authorities to Facilitate Tawarruq?
Using Cars as the Commodity in Tawarruq
Is It Permissible If KFH Buys Cars for the Seller to Stipulate in the Same Contract That KFH Should Rent These Cars to Him?
Is It Permissible for KFH to Buy Cars from a Commercial Auto Agency Providing That the Manufacturer’s Agent Stipulates in the Contract that the Cars Shall Not Be Displayed at KFH’s Auto Showroom?
What Are the SharÊÑah-Compliant Procedures for Exchanging the Used Car of a Customer Who Wants to Buy a New Car from KFH?
Charging a Fee to Change the Name on the Promissory Note for a Car
A Stipulation That Doesn’t Impede the Legal Implication of the Deal
Can a Bank Choose to Execute a Sale at a Negotiated Price Rather Than Cost Plus Markup?
Can a Seller of Goods by Delayed Payment Buy Some of Them Back from the Buyer by Cash Payment?
Is It Permissible for KFH to Charge a Certain Fee to the Customer for Changing His Name in the Promissory Note to the Name of a New Buyer He Sold the Commodity to?
Is It Permissible for KFH to Enter into a Sale Contract with a Party Who Stipulates That KFH Should Not Sell the Commodity It Purchases to Other Whole Sale Companies?
Does the Customer Who Purchased a Car Have a Right to Benefit from the Discount Given to KFH After Completion of the MurÉbaÍah Deal with Him?
Is It Permissible to Finance a Deal in Which There Exist a Suspicion of Bay’ Inah?
Is It Permissible for KFH to Sell Goods on the Basis of Murabahah to a Company That Will Resell the Goods on Installments and Will Stipulate an Interest Payment in Case of Delay?
Is It Permissible in a Murabahah Contract for the Buyer to Receive the Commodity from the Source After Getting the Initial Approval from KFH?
Is It Allowed to Buy Cars from an Agent on the Condition That the Agent Will Extend a Guarantee to Buyers for Possible Defects and Be Financially Responsible for the Buyers?
A Prospective Customer Has Already Made a Down Payment to the Supplier
Resolution No. 120: Putting the name of the Corporation in newspaper ads along with the names of agencies selling cars by installments
Resolution No. 123: A client’s commitment to pay his brother’s debts
Resolution No. 151: the Corporation appointing the purchaser as an agent to determine and receive what he will eventually buy
Can a Discount be Claimed for Early Payment in a Delayed Payment Sale?
Charging a Fee for Annulling a Sale or Transferring Registration of Ownership
Contractual Agreements Prevent the Intermediate Murabahah Seller from Buying the Good at the Cheapest Available Price
Murabahah Contract: Restrictions On Selling
The First Seller Demands Earnest Money from the Purchase Undertaker
The Purchase Undertaker by Deferred Payment Wants to Sell the Good before Completing the Payments
What Is to Be Done in Murabahah about Anomalies in Delivery of the Subject of the Sale?
Commissions on Third-Party Insurance Policies
If the Bank Drops the Outstanding Balance Due on a Car Destroyed in a Traffic Accident, Does the Buyer Have a Right to Ask for the Insurance Compensation?
Buying from a Subsidiary and Selling to the Parent Company
Trading in a Used Car for a New One by Selling the Used Car to a Third Party Who Transfers the Payment to the New Car Seller
The Seller Stipulates That the Buyer Lease Back the Purchased Item to the Seller
The Bank Acts as the Car Dealer’s Agent for Collecting Installment Payments from Customers with Accounts at the Bank
Selling to Someone Who Will Resell Using Interest-Based Contracts
Selling to Someone Who Will Resell by Charging Interest
One Department of the Bank Buys a Commodity in Cash from a Customer Who Bought it by Deferred Payment from Another Department of the Bank
Discovering after the Sale that the Seller Was the Agent of the Real Owner
The Buyer Intends to Resell the Goods; Can the Buyer Stipulate a Discounted Price on Any Unsold Items in Case the Seller Lowers His Prices?
What is the Ruling on Selling Cars to a Usurious Institution?
Can One Pay Money to Participate in a Raffle?
Can an Islamic Bank Give a Credit Card as a Prize to Murabahah Buyers and Add the Cost of the Card to the Murabahah Base Price?
Can the Customer of a MurÉbaÍah Car Sale Use the Trade-In Price of His Old Car as the Down Payment for the New Car?
Can Earnest Money Be Paid before the Contract?
One Party Buys a Truck; the Other Drives It for Monthly Expenses Plus a Share of the Profit after the Owner has Recovered the Price of the Truck
Can a Dealer Buy Back Cars from Customers and Pay the Bank the Outstanding Balances, on the Condition that the Customers Buy New Cars from the Dealer?
If a Customer Cancels the Sale of His Used Car to the Bank after the Title Has Been Transferred, and the Bank Allows It, Can the Bank Charge Him for the Inspection Expenses It Incurred?
Can the Bank Buy a Car That Was Purchased by Its Appraiser?
Can a Car Dealer Charge the Bank a Commission for Referring a Prospective Buyer to the Bank?
How to Deal With an Exchange Discrepancy in a Canceled Sale That Involved Different Currencies?
Is Hire-Purchase of a Car Lawful at a Nominal Final Selling Price?
What is the Ruling on a Lease Agreement That Culminates in Ownership?
Is It Allowed To Give the Leased Car to the Lessee or Sell It to Him for a Nominal Price at the End of the Lease Contract?
Is It Allowed To Require the Lessee To Get Comprehensive Insurance for the Car and Assign the Lessor as the Policy’s Beneficiary?
Is It Allowed to Sell a Share of Common Property That Has Been Leased Out?
Is It Allowed for a Partner in a Deferred Payment Sale to Sell Its Share to a New Partner?
Is It Allowed for a Partner to Sell Commodities to Other Partners?
Is it allowed to sell a car to a customer and to keep the car registered in the Bank’s name as a security for the payment of the due installments?
Is it allowed for a company owned by the bank in the USA to sell a car to a customer who borrows the car’s price from a bank on interest?
Is it Allowed for a company owned by KFH in Germany that sells cars in cash to investment companies that, after acquiring ownership of the cars, sell or lease them to individuals or companies?
What Is the Shariah Ruling if the option of Annul Is Stipulated only for one Parte?
Is Good Inspection Obligatory in Both Musawama and Murabaha Contracts?
Is it Allowed for a Customer to Replace a Good that He Purchased with another?
What is the criterion for cancelation of the initial agreement in the Murabahah transaction between the customer and the supplier or the car dealer?
Is it permissible to use vehicles owned and possessed by a company and registered under the name of another due to some laws?
Is it permissible to give an unconditional rebate to Murabahah costomers?
What is the opinion on KFH Malaysia’s Automobile Departments Products?
Does the presence of a lessee in the building prevent leasing it through ijarah muntahiyah bi al-tamlik?
Is it allowed for a house owner to take an amount of money from the purchase undertaker as an assurance of the latter’s seriousness?
Assignment of Liabilities in al-Ijarah thumma al-Bai`
Deposit Payment in Islamic Hire Purchase
Is it Allowed for KFH to Purchase Trucks Owned by a Party and Registered in Another’s Name for Procedural Reasons and Then Sell Them to the Latter Party Through a Murabahah Documentary Credit?
What's the Shariah Opinion Regarding the Purchase of Vehicles from Suppliers in Order to be Sold to Clients on the Basis of Murabahah?
What's the Shariah Opinion Regarding the Purchase of Lorries in Order to Be Run by Another Party?
What's the Shariah Opinion Regarding the Financing of Vehicles and Houseshold Equipments?
Is it a Condition in a Vehicle Financing Based on Murabahah to the Purchase Order that the Vehicle Must Be Registered Under the Bank Name Before the Execution of the Contract?
Is It Allowed for KFH to Authorize an Exclusive Car Dealer to Purchase Automobiles on KFH’s Behalf and then the Agent Sells them to Itself?
Is it Allowed for KFH after Selling a Car to a Customer to Transfer it by Way of One of the Local Banks to Be Paid for in Installments?
What’s the Shariah Opinion Regarding the Required Changes to the Contract Titled ‘Contract for Vehicle Use with a Bilateral Promise of Ownership Transfer’?
Buying and Selling of a Commodity Already Sold Under Murabaha Mode
The Price of a Commodity Bought by the Bank in Murabahah Transactions
Calculation of Profits on Insurance Service
Sale of the Commodity Subject Matter of the Contract
Profits from the Sale of Commodity Under the Contract
Eligibility of the Bank in Part of the Profit in the Event of the Cancellation of the Murabahah Transaction
شراء البنك سيارات وتأجيرها للبائع نفسه
شراء البنك سيارات تسجل باسمه وتقوم جهات أخرى بتشغيلها
تمويل شراء السيارات بنظام المرابحة

Personal Financing





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