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According to Islam
Purchase and sale according to the principle of Islam
… 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.
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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
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.
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.
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.
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).
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.