Personal

Common Questions

Common Questions

Common Questions about Funding:

What should I do before I apply for a car loan?

  1. Choose your dream car!
  2. Get a price quotation!
  3. Go straight ahead to the nearest Tadhamon Bank Branch to start the funding process!

Could I apply for a car funding in a governorate and obtain the car in another governorate?

  • Yes, you could.

How long does it take to get the funding?

  • As long as all required documents are available, you could complete your funding process within 3 working days.

If I ever had a car loan, could I get a new car loan?

  • Yes, you could as long as your revenues suit the installments at a time.

What is the car loan profit ratio?

  • Profit ratio at Tadhamon Islamic International Bank (TIIB) is competitive. It is the lowest profit ratio among all Islamic and classic banks in Yemen.

What is next to procurement procedures?

  • After getting the Bank final approval, get a price quotation for the car you like to buy.

What is the funding period?

  • Three years

Could I make an advance payment of the car total value?

  • Yes, you could.

Is the funding ratio stable?

  • Yes, it is stable during the entire loan period.

Could I pay funding before the end of installments period?

  • Yes, you could. When you do this, you will be gifted by the Bank.

Could I sell the car during the installments period?

  • Yes, you could as you own the car. After selling your car, you are free to either continue paying the monthly installments or to fully pay due funding at a time. It is your own choice.

Common Question about Credit Cards:

Should I have an account at TIIB to apply for a credit card?

  • Yes, you have to have a bank account.

In case of my credit card lost or stolen, what should I could?

  • You have to call and inform the specialist at the Electronic Credit Cards Dept.

By using Tadhamon Bank Visa Electron, can I withdraw cash money from other banks ATMs?

  • Yes, you can withdraw cash money from all ATM’s holding Visa and MasterCard mottos.

Accounts

MAMLAKATI Ladies

MAMLAKATI Ladies

With Tadhamon pearl your wildest dreams can come true as everything is under your control

With MAMLAKATI your wildest dreams can come true as everything is under your control. You will have a wonderful feeling and comfort when you find yourself in a place that respects your privacy and deals with you in a very elegant manner, all that in a very professional women staff environment. 

In the Tadhamon International Islamic Bank, we appreciate your position and offer you the required care as we realize your effective and functional role in society 

MAMLAKATI offers you a wide variety of integrated banking services that are compliant with the Islamic law rules with a very distinguished female staff.

Current

Managing you money effectively through an easy and safe way On request deposit for retail through which you can deposit and withdraw cash, send and receive local and international transfers.

Advantages:

  • Account confidentiality
  • Available for citizens, residents, and immigrants.
  • Available for the following currencies: Yemeni Rial, Saudi Rial, US Dollar, Euro, British Pound.
  • Making local and international transfers
  • having Tadhamon ATM card
  • withdrawing 24 hours all week days
  • suitable to receive the profits of the Tadhamon investing deposits
  • having a chequebook
  • getting all the details for all the transactions on your account
  • Cheque withdraw from any branch of the bank without referring to the branch issuing the Cheque
  • dealing with your account through any branch of the bank
  • Islamic law rules compliant

 

Requirements for opening a current account:

isit the nearest Tadhamon international Islamic bank branch to fill and sign the needed form taking with you the following:

  • An identity national card (ID) .
  • A recent 4 * 6 photo .
  • The applicant's age should be 18 or above.
  • The minimum limit to open the current account is 50,000 Yemeni Rials, 2000 Saudi Rials, 250 US Dollars, or the corresponding amount in Euro or British Pound.
  • A copy of a valid visa along with the original for matching for expatriates .
  • Proving of residence by bring the (water, electricity or phone) bill .

Profite:

  • The balances of the current account have no profit.
  • Do not share profits or losses
     

 

Islamic Deposits

Islamic deposits

High Profits, Islamic Rules

It is a deposit with specific due times during which the client can withdraw profits
Here, the client authorizes the bank to invest his money on the basis of sharing profits and losses according to the Islamic law rules. The bank has the right to do what is best for their mutual interest. 

Tadhamon Islamic International Bank is distinguished with his high profit percentages for this account that exceed the profits offered by other Islamic and traditional banks. 

Advantages:

  • Confidentiality
  • Available for citizens, residents, and immigrants.
  • Available in Yemeni Rial and US dollar.
  • It can be used to have financing services with the deposit accounts as a warrant based on the rules and conditions of the bank.
  • the highest profit percentages on your investment deposit 
  • Obtaining Halal profit based on the rules of Islamic law. 
  • the deposit is automatically renewed unless requested otherwise 
  • Your deposit is always under your command; it can be modified or broken at any time based on the rules and conditions of the bank. 
  • Islamic law rules compliant.

Requirements: 

Visit the nearest Tadhamon International Islamic Bank branch to fill and sign the Tadhamon investment deposit request form considering the following:

  • You should have Tadhamon account (current / saving).
  • The minimum limit of the deposit is 1.000,000 Yemeni Rial or equivalent to other currency.

Returns:

  • One of the highest profit percentages compared with the bank's low-risk profile.
  • Sharing profits and losses as it is based on the Islamic law Mudarabah.

Break and retrieval: 

Through a year after your deposit break, you can fully or partially retrieve the deposit value after deducting the returns of the past year if the deposit was broken before the end of the contract. 

Break or full retrieval: 

After fulfilling the breaking request, the full value of your deposit is put in your account in the bank. 

Break or partial retrieval: 

At the end of the agreed upon period of the deposit, it automatically gets renewed for a similar period and undergoes the conditions and prices due to the date of the renewal in case you didn't notify the bank to deposit the value in your account.

Saving Account

It is an on request saving account

Saving account

Get the most out of your money

 

  It satisfies our clients' needs regarding investing their deposits. Here, the client authorizes the bank to invest his deposit according to Al-Mudarabah. Based on this, the client can deposit or withdraw cash at any time and at the same time have a profit according to the announced percentage by the bank at the end of each financial year.

Advantages:

Confidentiality 

  • Available for citizens, residents, and immigrants.
  • Available for individuals below 18 years old.
  • Available for the following currencies: Yemeni Rial, Saudi Rial, US Dollar, and Euro.
  • Making local and international transfers.
  • Having Tadhamon ATM card.
  • Withdrawing 24 hours all week days.
  • Suitable to receive the profits of the Tadhamon investing deposits.
  • Obtaining Halal profit based on the rules of Islamic law.
  • Getting all the details for all the transactions on your account.
  • Dealing with your account through any branch of the bank.
  • Islamic law rules compliant.

For more information:

Please visit the nearest branch of the Tadhamon International Islamic Bank

or call (00967 1 666666)

Requirements:

Visit the nearest Tadhamon International Islamic Bank branch to fill and sign the needed form taking with you the following: 

  • An identity national card for one of parents.
  • A recent 4 * 6 photo.
  • The guardianship of the legal guardian of those individuals under 18 years old. 
  • A copy of the guardians ID with the name of the underage attached. 
  • A copy of the birth certificate of the underage along with the original one for matching.
  • The minimum limit to open the current account is 100,000 Yemeni Rials, 2000 Saudi Rials, or 500 US Dollars, or the corresponding amount in Euro. 
  • A copy of a valid visa along with the original for matching for expatriates
  • Proving of residence by bring the (water, electricity or phone) bill .

Returns:

  • The balances of the saving accounts earn one of the highest profits. 
  • Sharing profits and losses as based on the Islamic law Mudarabah.

Finance

Finance Calculator

Finance Calculator

 

 

 
 
 

 

Personal Financing Services

Through Tadhamon Personal Financing Services that is based on Murabaha or Musharakah and Ijarah in the form of Murabaha that ends with ownership, you can own a house, shop, or any estate with an independent certificate. And we assure you that all these services are Al-Saharia compliant.

Al-Murabaha finance:

After an agreement is reached between the client and the bank on the profit that will be added to the actual price of the estate, the bank buys the estate and then sell it to the client on installments. 

Musharakah and Ijarah finance:

According to this kind of finance, the bank and the client share in buying one house and each of them has a fixed part of the capital as stated in an agreement singed by both parts. The client rents the bank's share for a specific period during which she pays rent installments. When the period is over, the bank transfers its share of the house to the client. 

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