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According to Islam

Purchase and sale according to the principle of Islam

For the first time, MB Bank and its subsidiary Miras Financial Company took part in the XIII International Economic Summit «Russia — Islamic World: Kazan Summit 2022» which was held in the Kazan Expo International Exhibition complex from May 19 to May 21, 2022, and answered questions of visitors concerning the bank’s services and Islamic financial activities.

A number of meetings were held with the heads of companies interested in banking services, including trade settlement processes between the Russian Federation and Iran, and Islamic finance.

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Date of paymentAmount of payment
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Asset`s value
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Advance payment 0 RUB.
Term 12 мес
Payments
0 RUB. An initial fee
0 RUB. Total debt
0 RUB. Monthly payment








    These calculations are approximate. The exact amount of monthly payments depends on factors such as the type of product, cost, term, collateral and the client’s ability to pay.

    Stages of registration

    1

    The client submits an application to Miras FC

    An application form is filled in, which includes personal data, information about the client’s income and employment, the purpose of attracting financing, the type of property (goods) being acquired, the financing period and repayment procedure, the proposed security.

    The application must be accompanied by the necessary documents: identity, constituent, legal, financial. In addition, documents for the pledged property may be required). Clients are paid in advance of MINIMUM 10% OF THE COST OF THE GOODS.

    2

    Consideration of the client’s request and the documents provided by him

    The creditworthiness of a potential client is assessed, the authenticity of the documents provided is checked, and a decision is made to conclude a transaction. In case of a positive decision, the Agreement is concluded, in case of a negative decision, the prepayment previously made by the Client is returned.

    3

    Miras FC company buys goods for a client

    If a positive decision is made, an agreement is concluded between the Client and Miras FC LLC. It indicates the type of purchased goods, the amount of the transaction, the return period, the return procedure and other conditions. In addition, a pledge or surety agreement can be drawn up if additional guarantees are required for the transaction.

    At this stage, Miras FC buys the product necessary for the client (with the declared characteristics and from the official dealer presented on the company’s website), having paid its full cost.

    4

    Miras FC sells the goods to the client and transfers the ownership to him

    The ownership of the goods purchased by Miras FC passes to the client under the Murabaha agreement (immediately after the conclusion of the agreement) or Ijara bi shart at-tamlik (upon the expiration of the agreement and the client fulfilling all obligations).

    5

    Payment of monthly payments by the client

    Payment of the cost of goods by the client in installments. After full payment under the Agreement, the pledge is withdrawn, the agreement is considered fulfilled.

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