මෙම නිෂ්පාදනය වෙළඳ අරමුණු සඳහා භාණ්ඩ, දේපල, වාහන සහ භාණ්ඩ මිලදී ගැනීමට පහසුකම් සපයයි. එය අවම වශයෙන් වසර 1 ක කාල සීමාවකට යටත්ව නම්යශීලී ආපසු ගෙවීමේ සැලසුම් ද පිරිනමයි, එහිදී මාසික වාරිකය සහ කාලසීමාව ඔබේ අවශ්යතාවය අනුව අභිරුචිකරණය කළ හැකිය. මීට අමතරව, මුරබහ ගනුදෙනුවට සම්බන්ධ දෙපාර්ශවයේම කැමැත්ත ඇතිව ආපසු ගෙවීමේ කාලය තුළ වත්කම් ප්රතිස්ථාපනය කිරීමේ හැකියාවද ඔබට ඇත.
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Contact us todayIndividuals: Applicant should be a Sri Lankan citizen of age above 18
I.Identification proof–National Identity Card (NIC)/ Driving License (DL)/ Passport (PP)
II.Address proof –NIC/ Utility bill/ Grama Sewaka Certificate
III.Income proof –Salary Slips/ Bank Documents/ other income proof documents
IV.Guarantor details –NIC/DL/PP, Billing proof/ Income proof
Sole Proprietorship:
I.Identification proof–Business Registration (BR)
II.Income proof –Bank Statements, Financial Statements
Partnership:
I.Identification proof–BR, Consent of all partners
II.Income proof –Bank Statements, Financial Statements
Corporate Customers:
I.Identification proof–BR/ Form 41 or Form 1/20/ Memorandum of Articles and Board Resolution certified by Director or Secretary of the Company
II.Address proof–Form 13
III.Income proof–Financial Statements/ Bank Statements/ other income proof documents
IV.Guarantor details –ID proof/ Address confirmation / Income proof
Other requirements
- Duly completed and executed application form and Shariah documents
- With regard to Property Murabaha, Property Related Documents (Title Deed, Survey Plan etc.) and Mortgage Protection Policy (MPP) are required.
Following details of the vehicles are required for all types of aforementioned clients with regard to Vehicle Murabaha facilities
- Supplier Invoice
- Revenue License & Tax Receipts
- Duplicate Key
- Vehicle Valuation Report
- Certificate of Registration
- Contract Law or Mortgage Act No. 06 of 1946 as amended
- Fixed rentals are charged during the tenure of these products based on the credit risk of the client.
- Absence of installment payments on due date are liable to an Administration Fee of 2.75% p.m and a Charity Contribution of 1% p.m. which will only be applicable after 3 days of grace period.
Following common charges are applicable for both types of facilities.
- CRIB Charges
- Valuation Fee
- Postage
- Stamp Duty
- Documentation Charges
- Processing Fees
- Loan Protection Insurance Cover/ Vehicle insurance premium
In addition to the above Mortgage Fee and Search Fee are applicable for Property Murabaha and RMV charges applicable for Vehicle backed Murabaha facilities.