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Flexible financing for life’s biggest steps

Whether it’s a new car or your dream home, our Shariah-compliant financing solutions give you clear, affordable plans with no hidden surprises.

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Frequently asked questions

Who owns the asset initially?

AIB purchases the vehicle or house and sells it to you under a murabaha agreement. Ownership transfers after signing.


How is the price set?

The price is based on the bank’s purchase cost plus a pre-agreed profit margin.


What assets are eligible?

For vehicles: both new and used cars, subject to AIB approval.

For housing: ready houses or apartments, subject to due diligence.


Can I choose the asset?

Yes. Select the vehicle or property, provided it meets AIB’s approval criteria.


What’s the repayment period?

Repayments are made in fixed instalments. Housing finance is available from 1 to 7 years and vehicle financing 1 to 3 years.


Is early settlement allowed?

Yes. Early settlement is possible, subject to AIB’s policy and terms of the agreement.


How to apply?

Visit any AIB branch, or contact us at +93 (0) 20 255 0 255 or WhatsApp +93 (0) 70000 1111.

Who owns the asset initially?

AIB purchases the vehicle or house and sells it to you under a murabaha agreement. Ownership transfers after signing.


How is the price set?

The price is based on the bank’s purchase cost plus a pre-agreed profit margin.


What assets are eligible?

For vehicles: both new and used cars, subject to AIB approval.

For housing: ready houses or apartments, subject to due diligence.


Can I choose the asset?

Yes. Select the vehicle or property, provided it meets AIB’s approval criteria.


What’s the repayment period?

Repayments are made in fixed instalments. Housing finance is available from 1 to 7 years and vehicle financing 1 to 3 years.


Is early settlement allowed?

Yes. Early settlement is possible, subject to AIB’s policy and terms of the agreement.


How to apply?

Visit any AIB branch, or contact us at +93 (0) 20 255 0 255 or WhatsApp +93 (0) 70000 1111.

Who owns the asset initially?

AIB purchases the vehicle or house and sells it to you under a murabaha agreement. Ownership transfers after signing.


How is the price set?

The price is based on the bank’s purchase cost plus a pre-agreed profit margin.


What assets are eligible?

For vehicles: both new and used cars, subject to AIB approval.

For housing: ready houses or apartments, subject to due diligence.


Can I choose the asset?

Yes. Select the vehicle or property, provided it meets AIB’s approval criteria.


What’s the repayment period?

Repayments are made in fixed instalments. Housing finance is available from 1 to 7 years and vehicle financing 1 to 3 years.


Is early settlement allowed?

Yes. Early settlement is possible, subject to AIB’s policy and terms of the agreement.


How to apply?

Visit any AIB branch, or contact us at +93 (0) 20 255 0 255 or WhatsApp +93 (0) 70000 1111.

How to apply

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Don't have an account yet?

Open an account that is best tailored for you. Whether you're managing personal finances or running a business, we're here to help.

Open account

Don't have an account yet?

Open an account that is best tailored for you. Whether you're managing personal finances or running a business, we're here to help.

Open account