Financing of Apartment/House/Land and Building

In order 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 55 years. At the time of contract expiration, the customer's age should not be more than 65 years.
  • Customer ne to provide NOC for no debt from other institutions (banks and financial institutions)
  • The service period of government and non-government employees is not less than 2 years and not more than 30 years.
  • The period in the current work of companies and shopkeepers should not be less than three years.
  • Companies and entrepreneur must have a legal license to operate.
  • Companies and entrepreneur must submit financial reports and bank statements to the bank for at least the last two years.
  • 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 monthly net income of the client is 60,000 AFN or 800 US dollars.
  • Annual profit rate is 5% fixed
  • The measurement of financing is considered from the monthly salary and other income of the customer up to 40%, of course, in the case of companies and small and medium institutions, 20% of the total annual sales or 40% of its annual profit are considered.
  • The register title deed (Sharai Qabala) of the apartment is accepted by the bank as a sale bank, and it can obtain the Sharia deed in its own name and keep it until the financing/investment is settled and the sale to the customer is made based on the customary deed.
  • Customers need to provide a sharia deed (which is at least 120% of the financing value) the registered title deed need to be covered by registered mortgage. 
  • In case of the customer's death, according to the Civil Law, Chapter on Inheritance and Inheritance, according to Article 6337, his successors have the responsibility (debt) of settling the remaining financing installments.
  • The customer must check all legal aspect and legal documents of the property before purchase.
  • The house/apartment and the land that is purchased must have a Sharia title deed and it is done only in areas whose map has been approved by the municipality.
  • 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.