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HBL Murabaha

Under Murabaha Finance Facility, upon specific request of the Customer, the Bank (HBL-Islamic Banking) shall make available certain / requested amount of funds from pre-approved limit for a specific period of time. It allows the Customer to purchase goods/raw materials/finished goods for use of business from time to time, up to the specific limit, according to the business needs

Murabaha Finance Transaction can either be a cash sale (spot Murabaha) or a credit sale(deferred payment Murabaha)or a combination of both; payment can be in the form of a lump sum amount or in installments or combination of both. Being essentially a sale and not a loan, Murabaha should fulfill all the basic rules / principles necessary for a valid sale.