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Convenience in shopping and ease of payment with the Pay later program through a credit card (Ahwar).
Now you have many reasons to shop and meet all your needs, whether it is to furnish your home with furniture, electrical or electronic devices, or even want to renovate your home, pay school or university expenses, enjoy a family trip, or treat in installments in natural or even emergency cases, with the opportunity to pay for purchases. With fixed monthly installments starting from 3 to 24 or 36 months, according to the nominal salary and the invoice price, which determine the monthly installment without a profit margin through one of the shops participating with us in the Pay later program.
Also, through our partners in the Pay later program, you can easily get what you want, whether it is purchases to coordinate your home or purchase a mobile, iPad or calculator for your children, as well as benefit services such as travel, treatment, study, marriage, Hajj or Umrah all this sponsor by Pay later program
How does the program work?
All you have to do, sir, or madam, is to check with one of our partners who work in Pay later program, where the reception is excellent, and through Pay later program, you will be identified.
1- Emiratisation identity for the salary.
2- Nominal salary ceiling.
3- Your obligations (a borrower or a guarantor with another bank) or your lack of commitment to other financing and the possibility of selling to you in installments.In order to calculate the number of installments and the amount of the installment and to agree with the store owner on the amount of the invoice with a zero percent commission.
After a period of a 1-2 days, to take the banking procedures, you will receive an SMS from the International Islamic Bank with its content (check the store to receive the commodity or the benefit service) and at the bottom of the page is the list of companies and their information
localize your salary and buy in installments
After the great successes and achievements of the International Islamic Bank and its acquisition of the latest electronic banking systems and the increase of its capital to more than (260) billion dinars, the bank continues to strive with steady and confident steps towards finding banking solutions in accordance with the provisions of Islamic Sharia and providing modern, innovative, renewable, multiple and easy banking services Safe and affordable. In the context of cooperation with the private sector, the bank has contracted with many companies, traders and industrialists to sell goods and services to employees of the domiciled state departments whose salaries are with the International Islamic Bank “civilians and military” in monthly installments whose number is agreed upon between the employee and the merchant deducted from their monthly salaries through the owned electronic collection system The bank, which operates around the clock.
Materials and services covered
“Building materials, electrical installation materials, decorations, electronic devices, gold, home and office furniture, marriage supplies, medical and laboratory equipment, saloon cars, production vehicles and others,” “Hajj, Umrah, religious tourism, travel and leisure tourism, medical tourism, hospitalization and operations.” Surgical, study inside and outside Iraq, and others.
- The offers of merchants and the mechanisms for benefiting from the service are published on the application of the International Islamic Bank IMTB
- Purchase and installments are made without any advance payments
- The employee shall not bear any wages, commissions or benefits as a result of installment operations
- The employee does not need to refer to the bank except upon settlement, as all operations are conducted automatically and through advanced, protected, safe and effective electronic systems
- The highest premium amount does not exceed half of the employee’s net monthly salary
- The employee reviews the merchant upon purchase and upon receipt only
How to use the service
Settling the employee’s salary with the bank, obtaining a MasterCard Ahwar card, and receiving his salary through it, even for one time. Determining the goods or services that the employee needs and identifying the merchant or company that has them. He reviews the merchant and agrees with him to purchase and the number of installments, where the purchase invoice is automatically sent from the merchant to the bank. After the bank’s approval, the employee is informed of the approval and asked to review the merchant to receive the goods or services via a text message
Companies, associations, shops and commodities
All construction materials
Contact info
Mobile: 07817128322
State: Baghdad
Nearest Point: Karrada – the intersection of the pool in front of the pool furniture
- Wired and wireless telecommunications equipment used in Internet and communications networks
- POWER SOLUTION / BLUESTORM Solar – Power – Ups – Battery – Inverter – Stabilizer
- BLUESTORM BS Accessories – Cabinets – Cables – Fiber – Fiber accessories – Fiber Cables – Fiber Tools
- CISCO Cisco Switches – Catalyst – Small Business
- MIKROTIK 60 GHz products – Data over Powerlines – Ethernet routers – Accessories – Antenna – Interfaces – Switches – Wireless for home and office – Wireless systems
- MIMOSA Mimosa PTMP&PTP – Mimosa CLIENTS
- SJ (SHARQ AL-JAZEERA) SJ Dish Antenna – SJ Power Solution – SJ Sector antenna – SJ Towers
- TENDA Tenda Routers – Tenda Switches – Tenda Wifi extenders
- TP-LINK TP-Link Routers – TP-Link Switches – TP-Link Wifi extenders
- UBNT AMPLIFI PRODUCTS – UBNT ACCESSORIES – Cloud Keys – UBNT Cables – UBNT PoE Injectors – UBNT WIRED PRODUCTS – Edge Control Points- EdgeRouters – EdgeSwitches – UFiber Devices – Unifi Switches – UBNT WIRELESS PRODUCTS – AirFiber Devices – AirMAX Devices- LTU Devices – UBNT Antenna – Unifi WIFI – UNIFI PROTECT
Contact info
Mobile: 07714141212
Mobile: 07808049999
State: Baghdad
Nearest Point: Alsinaa Street near Al-Tamimi Complex
- Supplying various home appliances of all kinds, such as vertical and horizontal air conditioning systems, refrigerators, washing machines, gas ovens, vacuum cleaners, televisions and screens, from the finest international origins of high quality
- We also have home and office furniture
Contact info
Mobile: 07702539191
Mobile: 07830380333
State: Baghdad
Nearest Point: Palestine Street, the Nakhla intersection
All kinds of mobile phones
Contact info
Mobile: 07707005661
State: Baghdad
Nearest Point: Al-Bayaa – Darwish Intersection
- Electrical devices
- Mobiles
- Home and bedroom furniture
Contact info
Mobile: 07708822478
Mobile: 07808822478
State: Baghdad
Nearest Point: Al-Ameen 2 Al-Aramel Street, near the Beit Baniya market
- iPhone type mobile devices
- All iPhone accessories
- Mobile Accessories
- Leather goods
Contact info
Mobile: 07714817855
State: Baghdad
Nearest Point: Al-Rasheed Street – near the Central Bank – next to Iraqi Airway
- Electrical appliances of all kinds
- Home furnishings
- electronic devices
- fitness devices
- Mobile devices
- Furniture
Contact info
Mobile: 07810408022
State: Najaf
Nearest Point: Al-Sheikh Al-Yaqoubi Corner next to Al-Manar Sweets
- Cosmetic fillings – tooth extraction – tooth cleaning – installation of fixed and mobile teeth
Contact info
Mobile: 07827970035
State: Najaf
Nearest Point: Al-Manazira – Hospital Corner – Al-Jumhouri Street – near Al-Azal Pharmacy
- All energy solutions, including solar energy
- Providing computer networking materials
- All kinds of computer network cables
- Wireless devices used on the Internet
Contact info
Mobile: 07704445989
State: Baghdad
Nearest Point: near university of technology
An advanced high-class medical beauty center that works with the latest international laser devices in cosmetics and the latest advanced technologies in cosmetic dentistry and in the hands of Iraqi doctors with great experience and in all specialties
1- Department of cosmetics and laser for skin and hair – laser hair removal – carbon peeling – filler – Botox – golden threads – melasma, pigmentation and skin whitening sessions – Secret device for deep digging and acne scars – deep chemical peeling – treatment of melasma, freckles and psoriasis – deep skin cleaning – device Modern slimming and sculpting
2- Department of cosmetic and dental restoration – cosmetic optical fillings – dental implants – root fillings – dental installation – dental packaging Hollywood smile – surgical extraction of wisdom teeth – laser teeth whitening in one session.
Contact info
Mobile: 07807999888
State: Najaf
Nearest Point: Al-Rawan Street – Fayrouz Center Building – second floor – next to Swunu food
- home furnishings
- electric machines
- furniture
Contact info
Mobile: 07740460047
State: Baghdad
Nearest Point: Sadr City – Orfali Street – near Al-Huda Mosque
- Selling electrical appliances
Contact info
Mobile: 07700000032
Mobile: 07840000032
State: Baghdad
Nearest Point: Karrada – Orzady intersection – in front of Kumait School
- Selling household electrical appliances
Contact info
Mobile: 07806163620
State: Baghdad
Nearest Point: Karada Kharj – next to Abu Rafel Sweets