MTB Yaqeen Personal Finance is featured on the Shari’ah permissible mode of Hire Purchase under Shirkatul Milk (HPSM), also known as Diminishing Musharakah.

Shari’ah Features:

  • Riba (interest) free investment facility.​
  • Bank and the customer jointly purchase/construct an asset i.e. household appliances.​
  • Bank rents 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.​
  • Cash facility can also be made available subject to Shari’ah conditions.​

General Features:

  • Finance amount ranges from BDT 50,000/- to BDT 20 lacs (for renovation up to BDT 75 Lac).
  • Flexible repayment option of 06 months to 60 months.
  • No processing fee is charged.
  • Free from any compounding calculation.
  • No fee for early/partial settlement.
  • Easy documentation and quick processing


  • Age of the applicant: Minimum 21 and maximum 65 years or retirement date whichever is earlier at the facility maturity
  • Minimum Experience:
    • Salaried person : 1 year with 6 months permanent employment status
    • Self-employed : 1 year of practice in the profession
    • Businessperson : 2 years of involvement in the same nature of business
  • Minimum Monthly Income:
    • Minimum BDT 18,000 for Government staff
    • Minimum BDT 20,000 for CEPP/Payroll/Salary with MTB
    • Minimum BDT 30,000 for other salaried person
    • Minimum BDT 50,000 for Self-employed
    • Minimum BDT 50,000 for Businessperson/Land lord/Land lady/other income individuals

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