Main page - LLC "Miras FC"

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Pay less, get more

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We accompany you from start to finish

According to Islam

Purchase and sale according to the principle of Islam

What is our new product «Qard al-Hasan»?

Qard al-Hasan, also known as the “beneficent loan”, is a unique form of interest-free lending in Islamic finance. Rooted in compassion and social responsibility, it provides financial assistance to those in need — with no expectation of profit or return.

LLC «Miras FC» is a team of professionals oriented to the optimum result in achievement of the set goals

In highly qualified personnel we employ we appreciate professionalism, activity, initiative, aiming at constant improvement and achievement of set goals. We offer our employees a competitive salary, stability, confidence in tomorrow, career development and an opportunity to realize personal potential.

The basic principles of the personnel policy of the LLC «Miras FC» are personnel development and forming of the corporate culture, based on mutual understanding, reliability and trust, observance of legal and ethical standards, responsibility for accomplishment of the assumed obligations.

Main criteria for job seekers:

work experience in the bank sphere from 3 years;

professional skills and education;

knowledge of English is an advantage;

full time.

We will surely consider your resume and in case we have a suitable vacancy we will contact you. Please, do not forget to specify in the letter the business line and position, you are interested in.

You can send your CV to the address: info@mirasfc.ru

… The main mission of LLC «Miras FC»: «To play a key role in the development of Islamic finance in Tatarstan and Russia».

The main transactions of LLC «Miras FC» are carried out within the framework of Islamic agreements (Murabaha, Ijara Muntahia bi at-tamlik,…) and according to the canons of Sharia in accordance with the laws and regulations of the Russian Federation.

The scope of activity of LLC «Miras FC» is financing for the purchase of vehicles, industrial, medical, agricultural and road construction equipment and machinery. Our clients are any individuals and legal entities interested in Islamic services and goods on the territory of the Russian Federation.

Financing objects

Cars

Freight and utility
vehicles

Road construction machinery and equipment

Industrial
equipment

Agricultural machinery and equipment

Medical
equipment

Payment calculator

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Date of payment	Amount of payment

Select asset type Funding type

Payments

Equal Decreasing

Asset`s value

RUB.

300,000 RUB 30,000,000 RUB

Advance payment 0 RUB.

30% 50%

Term 12 мес

12 months 60 months

Payments

Equal Decreasing

0 RUB. An initial fee

0 RUB. Total debt

0 RUB. Monthly payment

View payment schedule

These calculations are indicative. The exact amount of monthly payments depends on such factors as type of goods, cost, term, collateral and solvency of the client. In addition, please note that Miras FC LLC does not accept requests if an e-mail address in the national domains of unfriendly countries is specified for communication.

The setting of the mail system of Miras FC LLC blocks delivery of electronic correspondence from foreign and Russian organisations having e-mail in any of the domains specified below: @.li, @.us, @.gb, @.uk, @.at, @.be, @.bg, @.hu, @.de, @.dk, @.ie, @.es, @.it, @.cy, @.lv, @.lt, @.lu, @.mt, @.nl, @.pl, @.pt, @.ro, @.sk, @.si, @.fi, @.fr, @.hr, @.cz, @.se, @.ee, @.ua, @.ch

Stages of registration

1 Application on the site 2 Evaluation 3 Purchase of goods 4 Sale of goods 5 Payment

The client submits an application to Miras FC

After a preliminary consultation with the client and clarification of all the terms related to the financial product, the client fills out an application form and provides information about their employment status, income, and other necessary details.

During further consideration of the application, additional documents may be requested if necessary.

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

The client’s solvency and the submitted documents are assessed. Based on the analysis, a decision is made regarding the possibility of concluding a contract with the client.

If the application is rejected, we contact the client and inform them of the result without providing a reason for the refusal.

If the application is approved, the necessary agreements are prepared to conclude the transaction with the client.

Miras FC company buys goods for a client

Upon a positive decision, an “Agreement of Intent” is concluded between the client and LLC «Miras FC», which specifies the company’s obligation to purchase the goods needed by the client and the client’s obligation to buy this product from LLC «Miras FC».

After signing this Agreement, the client makes an initial payment (minimum 30%) as security for their obligation.

At this stage, LLC «Miras FC» purchases the goods required by the client (with the declared specifications), paying the full cost.

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

Documents (Murabaha Contract) are signed between LLC «Miras FC» and the client, confirming the transfer of ownership rights for the purchased goods to the client. At this stage, a Guarantee Agreement and/or other contracts may be drawn up if additional guarantees are required for the transaction.

Payment of monthly payments by the client

The client makes monthly payments according to the agreed schedule. After all payments are completed, the contract is considered fulfilled and the collateral (encumbrance) on the goods is lifted.

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 MFK 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.