MTB Islamic provides mid- to long-term asset financing under the Hire Purchase under Shirkatul Melk (HPSM) contract for acquisition or construction of fixed commercial assets. This includes purchase of commercial spaces, commercial vehicles, and capital machinery, as well as construction of factory sheds or factory buildings. The facility allows gradual transfer of ownership to the client through fixed repayment schedules while ensuring asset-backed and fully Shariah-compliant financing.