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Saman Bank Loans And Facilities
A Varied And Expanded Collection of Financial Services Compatible With Your Needs in Life And Business.
- Saman Bank Facilities For Real Entity
Saman Bank has always thought about the needs you may encounter through the life and tried to know and recognize financial problems and offer relevant solutions for these problems.
Having known such problems, Saman Bank has turned its financial supports toward work, children, family, life and
economical opportunities.
Regarding the offered facilities in the form of Islamic Contracts under supervision of Central Bank of Iran, Saman Bank is now your best partner in financial affairs.
So feel free while getting loans and facilities from Saman Bank for it doesn't need any deposit and there is no waste of time during the operation.
Therefore what you need is just to refer to any branches within tehran or any other cities and fill in the related forms to get your facilities as soon as possible.
Please note that the maximum facilities with which the bank can prepare the customers is directly determined after evaluating their financial condition and credit.
- Saman Bank Facilities For legal Entity
In order to develope economical and financial programs as far as to expand manufacturing activities, trading and related services through Iran, Saman Bank offers certain facilities to legal entities.
As a result, using these facilities lets the economy and industry improve faster.
Your participation in Saman Bank's financial programs results in a vast cooperation in defferent economical and banking fields.
Saman Bank's main goal is to increase the liquidity of your organizations, industrial corporations and producing companies by offering you such facilities within the framework of Islamic Banking and Islamic contracts.
Participation Contracts:This type of contract is based on the principle of profit / loss sharing between the bank and its customer. Neither the principal nor a fixed profit rate is guaranteed. The main forms are:
a. Mudarabah – Under this contract the one party (the bank) provides another party (the entrepreneur; also called “Mudarib”) with capital, which the entrepreneur employs for trading operations. The resulting profit is shared in mutually agreed way. In case there is a loss, each party only looses its contribution to the transaction, i.e. the bank loses its capital and the entrepreneur loses his manpower.
b. Musharekah - The meaning of the Arabic word Musharekah is derived from the word sharikah meaning partnership. A Musharekah contract is very similar to a conventional partnership arrangement where the profit is distributed among the partners according to their respective contributions to the capital.. In the event of a loss, each partner’s maximum loss is limited to the amount invested by him. Within the framework of Musharekah Islamic financial institutions participate in the equity of companies in the following two forms.
Diminishing Musharekah: This is a gradually reducing form of Musharekah, under which eventually the entire ownership of an asset or a company is transferred by the bank to the customer. Hence it is a temporary partnership.
Permanent Musharekah: The bank participates in the equity of a company and receives annually on a pro rata basis a share of the profit. Islamic banks participate in this form of Musharekah with their own funds.
Mudarabah and Musharekah are appropriate financial tools for the banking system with two major advantages. Firstly, they are consistent with bank’s roles as financial intermediaries. Secondly, these tools can be employed for different periods of types of business.
- SAMAN CREDIT CARD
A Way to Pay Later!
A bank-issued card indicating the holder has been grated a line of credit. It enables the holder to make purchase or withdraw cash up to a prearranged ceiling. The credit card can be settled in full by the end of a specific period or can be settled in part, with balance take as extended credit.
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