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Murabaha Car Financing is structured according to Islamic banking principles. The bank acts as the seller, purchasing the vehicle and transferring it to you at a transparent, pre-agreed price that includes a fixed profit, ensuring complete Shariah compliance in all operations.

The profit margin is fixed at the time of the contract and does not change with market fluctuations. All operations are conducted in accordance with Shariah principles as certified by our Shariah Board.

• The bank purchases the vehicle and sells it to the customer at cost plus an agreed profit
• The profit margin is fixed at the time of the contract and does not change
• No interest (riba) is charged - only a disclosed Murabaha profit
• The vehicle is registered in the customer's name with the bank's lien until full payment
• Fully compliant with Islamic banking guidelines

Find out if you qualify to apply for Murabaha Car Financing.

For specific eligibility requirements or special circumstances, please contact your nearest Ghazanfar Bank branch.

• Afghan Residents — Afghan nationals and legal residents aged 18 or above with valid identification.
• Salaried Individuals — Employed applicants with a stable, verifiable monthly income.
• Self-Employed & Business Owners — Entrepreneurs and professionals with a registered business and steady income.
• Income Eligible — Applicants who meet the bank's minimum income requirement to support the monthly installments.

To apply for Murabaha Car Financing, please prepare the following documents. Having these ready will help speed up the application process.

All documents must be original. Additional documents may be requested by the bank during processing.

• Valid National ID (Tazkira) or Passport
• Proof of income (salary certificate or bank statements for the last 6 months)
• Proof of address (utility bill, rental agreement, or official document)
• Vehicle quotation or proforma invoice from an authorized dealer
• Two recent passport-size photographs
• Need the application form? — Download our official Murabaha Car Financing application form and complete it before your visit.

Flexible financing amounts and tenure designed to suit your needs.

The financing amount and tenure are subject to the bank's assessment of the applicant's income and creditworthiness.

• Minimum Financing — AFN 100,000 Minimum financing amount available for an eligible vehicle.
• Maximum Financing — AFN 5,000,000 Up to AFN 5,000,000 or 80% of the vehicle value, whichever is lower.

Transparent pricing for all financing services and transactions.

All charges are subject to change. The bank reserves the right to modify fees with prior notice to customers.

• Download Complete Schedule — Get the full list of charges for all financing services.