HBL Murabaha
Type
 Trade Financing (Murabaha)    Â
Payment Structure
- Fixed payments made over the agreed term
Eligibilty
- Individuals or businesses involved in trade
Compliance
- Shariah-compliant: This product is based on the Islamic principle of Murabaha.
HBL Diminishing Musharakah
Type
- Asset Financing
Payment Structure
- Payments decrease as the bank’s share in the asset is bought out by the client
Eligibilty
- Individuals with steady income
Compliance
- Shariah-compliant: In Diminishing Musharakah, the client and the bank co-own the asset.
HBL Murabaha (Business Financing)
Type
- Trade Financing (Murabaha)
Payment Structure
- Fixed payments structured based on trade agreement
Eligibilty
- Businesses looking for trade financing
Compliance
- Shariah-compliant: Similar to the consumer Murabaha, it involves purchasing goods and reselling them at a higher price.
HBL Islamic Supply Chain Financing
Type
- Supply Chain Finance
Payment Structure
- Payments are structured in installments over the financing term
Eligibilty
- Businesses within the supply chain
Compliance
- Shariah-compliant: The Islamic concept of supply chain financing ensures that all transactions are backed by tangible goods or services, avoiding any form of speculative risk (Gharar).
HBL Tijarah
Type
- Trade Financing (Tijarah)
Payment Structure
- Repayments are made on a monthly basis, with payments increasing as the business’s working capital grows
Eligibilty
- Businesses engaged in trade and sales
Compliance
- Shariah-compliant: Tijarah involves the sale of goods, with the bank acting as an intermediary between the buyer and seller.
HBL Istisna
Type
- Project Financing
Payment Structure
- Payments are based on mutually agreed-upon milestones when manufacturing or constructing a project
Eligibilty
- Businesses in the manufacturing or construction sector.
Compliance
- Shariah-compliant: Istisna allows financing for projects that are not yet constructed, and payments are made at various stages of the construction or manufacturing process.
HBL Running Musharakah
Type
- Working Capital Financing
Payment Structure
- Repayments are made on a monthly basis, with payments increasing as the business’s working capital grows.
Eligibilty
- Businesses seeking working capital.
Compliance
- Shariah-compliant: Running Musharakah is a partnership-based arrangement where the bank and client jointly share the risks and rewards of a business venture.
HBL Salam
Type
- Commodity Financing
Payment Structure
- Payment upfront or at the agreed-upon delivery point. Financing for commodities.
Eligibilty
- Businesses in commodities trading
Compliance
- Shariah-compliant: Salam is a forward contract in Islamic finance where payment is made in advance for goods to be delivered in the future.
HBL Islamic Home Finance
Type
- Home Financing
Payment Structure
- Fixed monthly payments spread across the term, with no interest charges but rather a profit margin added.
Eligibilty
- Individuals with stable income and good credit
Compliance
- Shariah-compliant: This product follows the Islamic concept of non-interest-based financing. It uses a profit-sharing structure, where the bank co-owns the property and gradually transfers the ownership to the client.
HBL Islamic Car Finance
Type
- Car Financing
Payment Structure
- Monthly installments with fixed payments, making car ownership affordable.
Eligibilty
- Individuals with good credit and stable income
Compliance
- Shariah-compliant: In Islamic car finance, the bank buys the car and sells it to the customer at a marked-up price.
HBL SME Financing
Type
- SME Financing Solutions
Payment Structure
- Flexible monthly payments based on the financial needs of the business
Eligibilty
- Small and Medium Enterprises (SMEs)
Compliance
- Shariah-compliant: SME financing in HBL adheres to Islamic principles by offering products like Musharakah (partnership) or Murabaha (cost-plus financing).
HBL Trade Finance
Type
- Trade Financing Solutions
Payment Structure
- Based on the terms of the trade agreement and contract, typically paid in installments.
Eligibilty
- Businesses involved in import/export.
Compliance
- Shariah-compliant: Islamic trade finance ensures that all transactions are based on actual trade and tangible goods.