Lease leading to Ownership - Real Estate and Assets.

Lease leading to Ownership - Real Estate and Assets.

Lease leading to Ownership - Real Estate and Assets.

We own the property today, and you own it tomorrow!

Select the property or asset you wish to buy, and we buy it instead then rent it to you at an agreed rental value for an agreed period, with a promise to sell you back the property or asset at the end of the lease term at the market price through an independent sales contract.


Because your future is one of our priorities, we have designed the lease leading to ownership for you with the following features:

  • The rent can be paid monthly, quarterly, bi-annually, or annually.
  • The duration of the lease must be clearly specified when the contract is concluded.

Do you wish to obtain Lease leading to Ownership financing?

All you have to do is follow these simple steps:

  • Audited financial statements and cash flow statements for the last three financial years
  • New property evaluation
  • Your legal documents
  • Official facility request form

What are the fees and commissions?

Price: Fixed price (Central Bank discount rate +%)

Terms and Conditions

  • The Bank buys the property or asset from the seller (the original owner) and registers it in the name of the bank.
  • The Bank retains ownership of the leased property or asset, in addition to all the rights and obligations thereto.
  • The tenant (customer) is responsible for the maintenance of the property or asset.
  • Facility grants are subject to evaluation and internal approvals at the bank.
  • The Bank may reconsider its margin of profits on any financing transaction with credit facilities, provided that the Bank informs the client of the new profit margins.
  • The customer shall disclose to the Bank all the parties associated with it economically or legally pursuant to the definition contained in the instructions of the Central Bank regarding the maximum limits of credit.

Frequently asked questions

What assets can be granted through the Lease leading to Ownership?
These assets include, but are not limited to, vehicles, machinery, etc., as long as they are Sharia-compliant.
Can I (as a tenant) request to terminate the lease contract before the due date and buy the leased property or asset?
A: Yes, upon the bank’s approval.
Back to Top
Hide Sitemap


Personal Banking Private Banking Corporate Banking B2B


Personal Banking Private Banking Corporate Banking Modify Registration