Bi'al Murabaha Constructional Materials Requirements

To obtain financing from the Islamic banking department, the customer must submit the following documents and agree to the following conditions:


  • The customer must have Afghan citizenship
  • The customer's age should not be less than 18 years and not more than 60 years
  • Customer requires to provide NOC no debt from other institutions (banks and financial institutions)
  • Two years of work experience and at least 12 months in the current job 2 years of work experience in business
  • The service period of BMA employees should not be less than one year
  • Customer requires to have 2 years of experience and need to provide gold or register title deed as security against facility. 
  • The client's current residence address must be officially confirmed by the relevant district attorney.
  • The financing period is maximum 5 years and based on the approval of the committee.
  • The minimum salary of the customer to finance construction goods is 10000 AFN or equivalent to 200 USD and the financing is done from the monthly salary of the customer.
  • Annual profit rate of 6%.
  • The amount of (300) AFN is charged for checking the indebtedness PCR of the (Customer and Guarantors).
  • Customer requires to bring all necessary documents including official referrer letter, ID card, Tazkera, copy of title deed, photo and response any inquiry letter when requested. 
  • The maximum amount of financing is 30000 US dollars or its equivalent in AFN.
  • Cash guarantee (10) % is collected from customers during purchase of commodity.
  • Financial guarantee by two civil and official government employees who have the ability to repay the installments and their pensions should be sufficient for the fund collection, is a basic condition.
  • The income of family members, spouse and children can be accepted as in income if supporting or prove is provided.