Fully Shariah-compliant sale, not partial.
Genuine sale agreement, not symbolic.
Muslim-owned and Shariah-compliant.
Funded by ethical investors, not banks.
Stable, Shariah-compliant arrangements.
More affordable than traditional finance.
Uses Bai’ Mu’ajjal (deferred sale) method.
Minimum of 10% down payment, fixed instalments over 5–25 years.
Potential investors begin by reviewing Baytulmaal's Product Disclosure Statement (PDS), Target Market Determination (TMD), and Financial Services Guide (FSG). Afterward, they can book a free consultation to discuss investment opportunities.
Complete the Investor Application Form to officially apply as an investor, ensuring all details are accurate and aligned with Baytulmaal’s requirements.
Provide all necessary supporting documents by uploading them as part of your application, ensuring your information is verified and complete.
Once all documents are submitted, investors sign the Investor Application form to confirm their commitment to the investment process.
Baytulmaal reviews the investor's application and, upon approval, sends an email with instructions to transfer the required funds for the investment.
After the transfer, investors provide proof of payment, and Baytulmaal issues a unit certification or investment certificate, along with other relevant documents to confirm the investment.