{"id":181,"date":"2017-03-31T10:42:05","date_gmt":"2017-03-31T10:42:05","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=181"},"modified":"2026-03-19T11:05:30","modified_gmt":"2026-03-19T06:05:30","slug":"details","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/autofinance\/details\/","title":{"rendered":"Details"},"content":{"rendered":"
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AutoFinance<\/span><\/span><\/h4><\/header>
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\u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/strong><\/p>\n

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BankIslami’s Auto Finance offers you the Convenience to get the car of your choice, the Shariah Compliant way.<\/h5>\n<\/div>\n<\/div>\n
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\u0622\u0679\u0648 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a<\/b><\/td>\nAll locally manufactured new\/used vehicles<\/td>\n<\/tr>\n
\u0622\u0679\u0648 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0645\u062f\u062a\t<\/b><\/td>\n1 to 5 years (for vehicles with up to 1000 cc engine capacity)
\n1 to 3 years (for vehicles above 1000 cc engine capacity).<\/td>\n<\/tr>\n
\u0635\u0627\u0631\u0641 \u06a9\u06cc \u0627\u06cc\u06a9\u06cc\u0648\u0679\u06cc\t<\/b><\/td>\nMinimum 30% to Maximum 90%<\/td>\n<\/tr>\n
\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0631\u0642\u0645\t<\/b><\/td>\nMinimum Rs. 500,000\/- Maximum Rs. 3,000,000\/-\n<\/td>\n<\/tr>\n
\u067e\u0631\u0648\u0633\u0633\u0646\u06af \u0641\u06cc\u0633:\t<\/b><\/td>\nApplication Fee: Rs. 2,449\/- (exclusive of FED)<\/p>\n

Documentation charges as per actual.<\/b>
\n 1.<\/b> For Financing Up to Rs. 3 million, Rs. 6,300\/- per car.<\/td>\n<\/tr>\n

\u0679\u0631\u06cc\u06a9\u0631 \u06a9\u06cc \u062a\u0646\u0635\u06cc\u0628<\/b><\/td>\n\u062a\u0645\u0627\u0645 \u06af\u0627\u0691\u06cc\u0648\u06ba \u06a9\u06d2 \u0644\u0626\u06d2 \u0679\u0631\u06cc\u06a9\u0631 \u06a9\u06cc \u062a\u0646\u0635\u06cc\u0628 \u0644\u0627\u0632\u0645\u06cc \u06c1\u06d2 \u0627\u0648\u0631 \u06cc\u06c1 \u0679\u0631\u06cc\u06a9\u0631 \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0644\u0645\u06cc\u0679\u0688 \u06a9\u06cc \u062c\u0627\u0646\u0628 \u0633\u06d2 \u0646\u0635\u0628 \u06a9\u06cc\u0627 \u062c\u0627\u0626\u06d2 \u06af\u0627\u06d4<\/td>\n<\/tr>\n
\u062a\u06a9\u0627\u0641\u0644<\/b><\/td>\nRate: 1.49% (Rate may vary for special vehicles)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Islami Auto Finance facility is based on Diminishing Musharakah under Shirkat-ul-Milk arrangement. Under this joint partnership agreement, BankIslami Pakistan Limited share in vehicle is represented by Musharakah units. The Bank will rent out its share in vehicle to you in exchange for periodical rents claimed. In addition to periodical rental payment, you will purchase BankIslami Pakistan Limited share (Musharakah units) on a periodical basis. Upon purchase of all Musharakah units, you will become the sole owner of the vehicle.<\/p>\n

DM Concept: <\/strong><\/p>\n

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\u0622\u0679\u0648 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u067e\u0631 \u0645\u0628\u0646\u06cc \u06a9\u0645 \u0633\u06d2 \u06a9\u0645 \u0645\u0634\u0627\u0631\u06a9\u06c1 \u06a9\u0627 \u062a\u0635\u0648\u0631<\/h5>\n

Diminishing Musharakah (DM) is a partnership transaction in which the partners agree to terminate Shirkat (partnership) gradually by means of purchase of one partner’s share by other partner.<\/p>\n

Under Diminishing Musharakah financing, the Bank and its client participate in the ownership of an asset on the basis of ‘Shirkat-ul-Milk’ (i.e. Joint ownership)<\/p>\n

\u0688 \u06cc \u0627\u06cc\u0645 \u06a9\u06cc \u0622\u0679\u0648 \u0641\u0646\u0627\u0646\u0633\u0646\u06af \u0679\u0631\u0627\u0646\u0632\u06a9\u0634\u0646 \u062f\u0631\u062c \u0630\u06cc\u0644 \u0648\u0627\u0636\u062d \u06a9\u0626\u06d2 \u06af\u0626\u06d2 3 \u0645\u0631\u0627\u062d\u0644 \u067e\u0631 \u0645\u0634\u062a\u0645\u0644 \u06c1\u06d2\u06d4<\/p>\n

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