Shariah-Compliant Flat Purchase in Bangladesh — Islamic Finance Guide 2026
📅 2026-06-15 · 📂 Islamic Finance Guide · ✍️ Mollik Builders Editorial
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Shariah-Compliant Flat Purchase — A Complete Guide for Muslim Buyers
For Muslims concerned about riba (interest), there are fully Shariah-compliant paths to owning a flat in Bangladesh. Islamic banks offer home financing products that are certified by independent Shariah boards.
Islamic Home Finance Products Available in Bangladesh
| Product | Structure | Bank | Markup Rate (2026) |
|---|---|---|---|
| HPSM (Hire Purchase Shirkatul Meelk) | Co-ownership + rental | Islami Bank BD | 6.5% |
| Murabaha Home Finance | Cost + profit sale | Al-Arafah Islami Bank | 7.0% |
| Musharakah | Partnership | EXIM Bank Islamic | 7.5% |
| Bai-Muajjal | Deferred payment sale | Shahjalal Islami Bank | 7.2% |
How HPSM Works (Most Popular)
- Bank and buyer jointly purchase the flat (e.g., bank pays 80%, you pay 20%)
- You use the flat and pay a monthly rental fee to the bank for its share
- Every month, you also buy a portion of the bank's share
- After 15-20 years, you own 100% — fully Shariah-compliant, no riba
Can I Buy a Mollik Builders Flat with Islamic Finance?
Yes! All Mollik Builders projects are eligible for Islamic bank home financing. Our sales team works regularly with Islami Bank, Al-Arafah, and Shahjalal Islami Bank. We provide all documentation needed for bank approval. Contact us at +880-1715-120802.
Related Projects
- Madina Tower — 1350 sqft, ৳46.17 Lac (10% Disc. Applied)
- Bismillah Tower — 1440 sqft, ৳77.76 Lac (10% Disc. Applied)
- Mollik City 8 — 1250 sqft, ৳48,12,500
Frequently Asked Questions
❓ Is HPSM (Hire Purchase Shirkatul Meelk) truly Shariah-compliant?
Yes. HPSM is certified by the Shariah Supervisory Board of Islami Bank Bangladesh Limited. It is based on co-ownership and rental rather than interest (riba) and is widely accepted as halal by Islamic scholars in Bangladesh.