Dubai Islamic Bank Business Finance
Part of PakFinHub's DIB coverage — Shari'a-compliant financing for business premises and equipment.
- Diminishing Musharaka
- Business Premises & Equipment
Business Finance is DIB's Shari'a-compliant financing product for business premises and equipment, listed by DIB alongside Auto, Home, Fleet, Consumer Durable, and Personal Finance under its Consumer Financing product set. It uses the Shirkatul Melk cum Ijara model — DIB purchases an undivided share of your business property and leases that share back to you against monthly rentals — the same joint-ownership, rental-based mechanics as Home Finance, confirmed directly on DIB's official Business Finance page. DIB markets it as the only product of its kind available in the market, with financing available up to Rs 20 million.
Business Finance Charges
| Charge | Amount |
|---|---|
| Application Processing Charges | Upto Rs 20,000 |
| Property Appraisal Charges | At actual / upto Rs 5,000 |
| Legal Charges | At actual / upto Rs 10,000 |
| Income Estimation Charges | At actual / upto Rs 10,000 |
| Title Documents Verification Charges | At actual / upto Rs 10,000 |
| Property Takaful Charges | As per rate quoted by Takaful Company |
| Cheque Return Charges | Upto Rs 1,000 |
| Late Payment Charges* | Upto 20% of the monthly rent overdue |
| Partial Settlement Processing Charges | Upto Rs 5,000 |
| Finance Enhancement Processing Charges | Upto Rs 10,200 |
| Asset Repossession Charges | At actual |
| Duplicate Payment Schedule Issuance Charge | Rs 1,000 |
| Document Retrieval Charges | Rs 1,000 |
| Tax Certificate Issuance Charges | Rs 1,000 |
| Request for change in Financing Tenor | Upto Rs 10,000 |
| Product Switching Charges to Relevant KIBOR** | Upto Rs 40,000 |
| Cash Pick-up Charges | Rs 2,000 |
| Cheque Pick-up Charges | Rs 1,000 |
On early settlement, the purchase price is calculated as the outstanding fixed rental plus any accrued and unpaid variable rental, plus accrued and unpaid supplementary rental (if any), plus a sum equal to a maximum of 20% of the outstanding fixed rental. On partial settlement, the formula uses the partial-settlement portion of the outstanding fixed rental plus accrued and unpaid variable and supplementary rental, plus a sum equal to a maximum of 5% of the partial settlement amount.
* Late payment charges are transferred to DIB's Charity Fund, per the customer's undertaking to pay charity, not retained as bank income. ** To be included in the subsequent first rental after execution of a product switching request. Source: DIB Schedule of Charges, July–December 2026, Consumer Finance – Business Finance section.
Dubai Islamic Bank Business Finance FAQs
What is Dubai Islamic Bank Business Finance?
A Shari'a-compliant financing facility for business premises and equipment, using the Shirkatul Melk cum Ijara model — DIB purchases an undivided share of the property and leases it back against monthly rentals, the same joint-ownership mechanics as Home Finance.
What is the maximum Dubai Islamic Bank Business Finance amount?
Up to Rs 20 million, per DIB's official Business Finance page, which also markets it as the only product of its kind available in the market.
How much does Dubai Islamic Bank charge to process a Business Finance application?
Up to Rs 20,000 in application processing charges, per DIB's official Schedule of Charges, plus separate appraisal, legal, and income-estimation charges.
Official Sources & Last Verified
Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: September 12, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth.
Good For
- Business owners comparing Islamic financing options for premises or equipment
- Understanding the early and partial settlement formulas before signing
- Budgeting for processing, legal, and appraisal charges upfront
Ready to bank with Dubai Islamic Bank?
Verify current rates, offers, and terms directly with DIB Pakistan before you apply.
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