Balance sheet (form 1 and form 2) for the last reporting year with electronic confirmation of acceptance of reporting and operational for the current quarter
Passenger cars
Murabaha Product — we purchase a car and resell it to you at a fixed premium in installments
Main terms of the transaction
Convenient payment terms
The contract is made for a period of 3 to 36 months
Quick transaction processing
The full process takes from 3 to 5 working days if documents are available
Flexible advance payment
The advance amount can be any — from 40% to 70% of the purchase price
Fixed rate
The company's margin is 20% and remains unchanged throughout the transaction
Review fee
There is a reimbursement of expenses, discussed individually
Reliable Suppliers
Cars are purchased from official distributors with a factory warranty and an invoice.
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Income level 20.00%
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- Charter;
- Certificate;
- Passports of the director, founders, and chief accountant;
- Order and decision on the director and chief accountant (if available).
Certificate from the servicing bank regarding:
- Availability of funds in the current account;
- No queue of unpaid payment orders due to insufficient funds;
- Absence of overdue debt on the loan.
Sample signatures and turnover of the current account for the last 12 months (in electronic form)
Electronic certificate from the State Tax Authority confirming no outstanding tax liabilities (with QR code).
An ID card or an internal passport of a citizen of the Republic of Uzbekistan with a residence permit
Frequently Asked Questions
In Murabaha, you immediately become the owner of the car, while in Ijara, the car remains the property of the company until the end of the contract term.
This is the compensation for the costs incurred by the company in processing the transaction: registration, notary services, etc. The amount of these expenses is agreed upon in advance and fixed in the agreement.
Yes, car insurance is mandatory. It protects the client and the asset from unforeseen situations.
The company handles the registration of the car (registration with the GAI, technical passport, notarial transaction) since the car is purchased and officially transferred to the client.
Yes, you can make early payments, but the transaction amount does not change. The previously agreed transaction amount, considering our company's income, must be paid in full.
According to AAOIFI standards No. 3, the collection of penalties is only possible for disciplinary purposes. The amount collected is not credited to the company's income but is directed to charitable purposes under the supervision of the Supervisory Board. More details (link to pdf Late payment)