Under Murabaha Car Financing, Ghazanfar Bank buys the vehicle you select from an authorized dealer and resells it to you at the original cost plus a pre-agreed, fixed profit. The total price is fixed at the time of the contract and repaid in equal monthly installments over the agreed tenure, making it a fully Shariah-compliant alternative to conventional car loans.
AFN 100,000Minimum financing amount available for an eligible vehicle.
AFN 5,000,000Up to AFN 5,000,000 or 80% of the vehicle value, whichever is lower.
Note : The financing amount and tenure are subject to the bank's assessment of the applicant's income and creditworthiness.
Need assistance? Call our customer service at +93 (0) 20 220 4400.
Structured under the Murabaha principle and certified by our Shariah Supervisory Board, with no interest (riba) involved.
Your profit margin is fixed and disclosed upfront, so your monthly installment stays the same throughout the financing tenure.
Choose a repayment period of up to 5 years with installments tailored to your budget.
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
Afghan nationals and legal residents aged 18 or above with valid identification.
Employed applicants with a stable, verifiable monthly income.
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
| Service | Charges |
|---|---|
| Processing Fee | 1% of financing amount |
| Down Payment (Customer Contribution) | Minimum 20% of vehicle value |
| Profit Rate | Fixed, disclosed at contract |
| Financing Tenure | Up to 5 years |
| Late Payment Charge |
Fast, transparent processing so you can drive your new vehicle sooner.
Finance both brand-new and pre-owned vehicles purchased from authorized dealers.
The total cost and profit are agreed and documented before the contract, with full transparency.
Fully compliant with Islamic banking guidelines
Important: 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 Supervisory Board.
Entrepreneurs and professionals with a registered business and steady income.
Applicants who meet the bank's minimum income requirement to support the monthly installments.
For specific eligibility requirements or special circumstances, please contact your nearest Ghazanfar Bank branch.
Two recent passport-size photographs
Download our official Murabaha Car Financing application form and complete it before your visit.
Note All documents must be original. Additional documents may be requested by the bank during processing.
| Donated to charity (Waqf fund) |
| Early Settlement | Allowed as per bank policy |
| Vehicle Takaful (Insurance) | As per Takaful provider |
Get the full list of charges for all financing services.
Important : All charges are subject to change. The bank reserves the right to modify fees with prior notice to customers. Late payment amounts are donated to charity and are not treated as bank income, in line with Shariah principles.
