MTB Yaqeen Home Finance is a Shari’ah compliant investment product designed under the concept of ‘Hire Purchase’ and ‘Shirkat ul Milk’ (Diminishing Musharakah). This enables the customers to purchase /construct a flat or house, making payment in installments.

Shari’ah Features:

  • Riba (interest) free investment facility.​
  • Bank and the customer jointly purchase/construct a flat/house.​
  • Bank rent out its portion in the asset to the customer against a series of rental payment.​
  • Customer purchases Bank’s portion of the asset making payment in monthly/ quarterly installments.​
  • No rental is charged until the flat/house becomes usable.​
  • Option for reimbursement of Takaful (insurance) expenses and major maintenance cost under mutual agreement.

General Features:

  • Finance amount ranges from BDT 5 Lac to BDT 2 Crore (for renovation up to BDT 75 Lac)
  • Up to 70% of the property value is invested by the bank.
  • Investment tenure varies from 1 to 25 years (for renovation up to 10 years)
  • Property age should be maximum 20 years at the time of financing and 40 years at the end of financing tenure.
  • Takeover facility from any other bank/financial institution.
  • No processing fee is charged.
  • Free from any compounding calculation.
  • No fee for early settlement.


  • Age of the applicant: 25 to 70 years.
  • Minimum Experience: 2 (two) years for salaried person and 3 (three) years for professionals and busniness owners.
  • Minimum Monthly Income: BDT 25,000 for Government employees, BDT 30,000 for other salaried persons and BDT 40, 000 for Self-employed/Land lord/ business persons/ other individuals.

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