House Finance Diminishing Musharika


H F D Musharika

OLP Modaraba (formerly ORIX Modaraba) also offers HFDM (House Finance Diminishing Musharakah). The product was launched in the year 2011. OLPM's House Financing Product is based on Diminishing Musharakah (DM) (Shirkat ul Milk) structure.

What isHFDM?

HFDM is based on the concept of mortgage. The clients can avail HFDM facility for the acquisition, construction and renovation of property of its choice. Under this product, ownership and possession of the property is with the client. The financing is done by OLPM and the client jointly in accordance\ with an agreed percentage. The property remains mortgaged in favour of OLPM and original property documents is held by us till the contract is matured or terminated and settled.


Who Can Apply

OLPM offers

OLPM is catering to the corporate sector including HNWIs (High Net worth Individuals). Currently, it is being offered to the employees of approved Multinational Companies and other Corporates. We encourage Service Level Agreements in an Assurance based model with selected Corporates for the provision of this facility to its staff. In this regard, Corporates may contact us for the same.


  • Compliant with the Islamic Shariah principles.

  • Accessible to employees of approved Multinational Companies and other Corporates.

  • Financing amount can be up to a maximum PKR 50 million.

  • Maximum Financing Tenure to be 20 years.

  • A panel of Surveyors, legal counsel, Takaful & Insurance companies is engaged with ORIXM.

  • Flexible terms & conditions.