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Afghanistan 💰 AFN Last updated2026-05-28 مرابحه Calculator
Afghanistan
A Murabaha financing of 3,500,000 AFN at 14% profit rate over 10 years works out to a monthly payment of about ؋ ۵۴٬۳۴۳, with total interest of ؋ ۳٬۰۲۱٬۱۹۰ over the full term.
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Local context مرابحهs in Afghanistan
Market overview
Formal mortgage finance in Afghanistan is effectively dormant since August 2021. Da Afghanistan Bank (DAB) supervises the residual banking system including Afghanistan International Bank, Azizi Bank and New Kabul Bank, but conventional interest-based mortgages have been replaced by Murabaha and Ijara sharia structures under Taliban directives. Most property transactions are cash-based in USD or AFN with informal personal financing.
Why 14% is the typical rate
Effective profit rates of 12-18% on Murabaha contracts reflect the absence of a functioning policy-rate transmission, with pricing driven by liquidity scarcity and Hawala-network funding costs rather than DAB benchmarks.
Tax & regulatory notes
Property transfer is governed by the 2017 Land Management Law and pre-2021 Civil Code, with registration fees of 1% at the Mostofiat (provincial tax office). Sanctions imposed on DAB by OFAC since 2021 have frozen the formal banking nostro accounts, pushing nearly all mortgage activity into informal Murabaha arrangements through Islamic windows or family financing.
A Murabaha financing of 3,500,000 AFN at 14% profit rate over 10 years
؋ ۳٬۵۰۰٬۰۰۰ 14% 10 years (120 months) ؋ ۵۴٬۳۴۳ ؋ ۳٬۰۲۱٬۱۹۰ ؋ ۶٬۵۲۱٬۱۹۰ 
