Diminishing Musharakah Financing
Achieve complete asset ownership through Shariah-compliant co-ownership. Buy out FIMCL's share seamlessly over time while enjoying the benefits of your asset today.
Shirkat-ul-Milk: A fair path to ownership
Diminishing Musharakah is a form of joint ownership where FIMCL and the client jointly purchase an asset. The asset is divided into equal units, and FIMCL rents out its share to the client.
Over time, the client purchases FIMCL's units periodically. As the client's ownership increases, the rent decreases, eventually leading to 100% ownership of the asset by the client. It is the perfect Islamic financing tool for purchasing commercial property, housing, or large vehicles.
Why this matters for you
- Build equity gradually without paying interest (Riba)
- Transparent unit-buying schedule tailored to your income
- Rent decreases as your ownership share increases
- Shared risks and responsibilities according to Shariah
What can you finance?
Diminishing Musharakah is versatile and can be applied to various fixed assets essential for your business or personal growth.
Why choose our Co-Ownership?
Clear Ownership Transfer
At the end of the financing tenure, the asset is officially and legally transferred to your name with zero hidden clauses.
Fair Rent Assessment
Rent is calculated transparently based on current market rates and strictly on the remaining share owned by FIMCL.
Flexible Buyout Options
Adjust your unit purchase frequency according to your cash flow, giving your business room to breathe and grow.
Ready to co-own your next big asset?
Apply for Diminishing Musharakah today and step towards 100% Halal asset ownership.