Personal Islamic Banking

Al Masraf Offers lending solutions to support general business needs or growth objectives through our comprehensive selection of Personal Lending products.

Personal Islamic Banking
Personal Accounts Personal Finance Cards

Al Masraf offer personal finance product to meet your expenses and financial needs to fulfill your financial requirements in a Shari'ah compliant manner.
With Al Masraf Personal Finance, you can buy and acquire a variety of Shari'ah complaint commodities from us or get upfront cash price when you need it, at the most competitive profit rates available in the market.

personal-finance

offer-arrow What do we offer?

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Dedicated Relationship Manager

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Wide Range of Finance Products

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Preferential rates for Online Banking

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Free First Cheque Book

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Free Teller Transactions

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Free Monthly / Quarterly Statements

offer-arrow Murabaha Auto Finance

Murabaha Vehicle Finance is a Shari'ah compliant scheme from Al Masraf operating under the Shari'ah principle of (Murabaha). By this principle, Al Masraf will purchase the vehicle at your request, and then sells it to you at an agreed fixed profit rate. This allows you to own the car and pay for it in easy installment. This Scheme is available for both used and new vehicles, to individuals and business owners.

offer-arrow Home Finance

At Al Masraf we understand that one of the greatest joys is to own or build your dream home. Al Masraf Islamic Banking Home Finance offers you a range of options to suit your specific needs. We offer financing for ready residential properties. we also offer refinancing options for customers who may already own a property or are availing of a mortgage with another institution.

Al Masraf Islamic Banking is proud to offer a range of Shari'ah compliant and cost-effective Ijara home products which suits your requirements.

Al Masraf Islamic Banking home finance products have been prepared based on simplifying our end to end process using Ijara Contract structure.

Ijara structure: Al Masraf purchase the property base on Customers request, and then lease it to customer on a rental payment for a specified leasing period. Through this deal the bank is the lessor and the customer is lessee. The Bank promises to transfer the title of the property to the customer at the end of the lease period if all payments have been made.

offer-arrow Personal Finance

With Al Masraf Personal Finance, you can buy and acquire a variety of Shari'ah complaint commodities from us or get upfront cash price when you need it, at the most competitive profit rates available in the market.

Al Masraf offer personal finance product to meet your expenses and financial needs to fulfill your financial requirements in a Shari'ah compliant manner.

get-started

How to get started?

1

Eligibility

  • right-arrow Persons with valid passport
  • right-arrow Valid UAE Visa for expats
  • right-arrow Emirates ID
2

Documents *

  • right-arrow Application form click to download
  • right-arrow Trade License copy
  • right-arrow Valid Passport copies of owners
3

Apply

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Last updated at 11/09/2026 07:14:31 PM