Individual Services
- Small and Microfinance
- Personal and Consumer Financing
- Home and Building Materials Financing
- Car Financing
- Women's Financing
Individual Financing
SBYB offers a range of financing programs for individuals, based on various Islamic financing formulas, with multiple benefits, easy terms, and flexible guarantees that meet the diverse needs of customers.
SBYB's financing range includes financing personal and consumer needs, such as purchasing cars, furniture, electronic and electrical appliances, building materials, and other basic necessities.
In addition, SBYB offers small and microfinance loans, aiming to support individuals and enhance their ability to achieve financial stability, improve their standard of living, and benefit from financial services.
Service Features:
- Providing financing according to various Islamic formulas.
- Various and flexible guarantees.
- Appropriate repayment periods.
- Quick and smooth procedures.
Required (or acceptable) guarantees:
- Gold guarantee
- Cash guarantee
- Salary guarantee
- Bank letter of guarantee
- Commercial guarantee
Basic requirements and conditions:
- Ability to provide the required guarantees.
- Provide a valid ID.
- Provide proof of income and ability to repay.
- Complete the forms required by SBYB.
- The applicant must be between 18 and 65 years old.
- Financing is granted in the same currency as the income or salary.
- Provide project-related documents and paperwork for owners of small and micro enterprises.
Benefits and Advantages Customers Will Receive
- Opening free accounts (current, savings, and investment deposit accounts).
- A free electronic money account (Shamil Money).
- Get a free ATM card.
- Benefiting from domestic and international remittance services and SWIFT services.
- Benefiting from documentary credit and letter of guarantee services.
- Benefiting from other banking services.
