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🏆 25+ Years of Structural Excellence
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"In real estate, safety isn't an option—it is an absolute corporate contract. Every project we curate represents 72.5 grade steel reinforcements, structural calculations drafted to survive magnitude 7.5 earthquakes, and completely pristine land ownership documentation."
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 (inside), ৳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.