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Commercial Equity

A financial product designed to provide financing to the client against a commercial income-generating property.


Advantages :

-Financing in the form of Ijarah with the promise of gift (hibbah) in accordance with sharia principles

-Financing for all government, semi-government, private sectors, banks and self-employed

- Financing up to 5 million Saudi riyals

- Financing period up to 15 years

- No salary transfer required.

- Possibility of early or partial settlement.  

- Takaful insurance on the real-estate unit against fires and natural disasters

- Exemption in case of total disability or natural death – God forbid-*

- VAT exempted.

Conditions :


Age 21 Years
Monthly Income Starting from 8,000 SR
Length of Service 3 Months
Property Type

Commercial income-generating property













* Terms and conditions apply.

APR annual profit margin starts from 9.59%



Is the product Sharia compliant?

Yes, all Amlak international products are approved by Shariah Board.


Is early settlement possible?

Yes, after two years from the start of the finance.


How is the early settlement amount calculated?

The amount of early settlement equals the remaining principal amount of the finance at the time of settlement and the profit margin of the next three instalments.


How do I apply for a finance?

You can apply for a finance through one of the following options:
- Apply online
- Contact Amlak at 920026525
- Visit one of Amlak's branches

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