# Darulmaali Financial Group

## Introducing a revolutionary interest free, zero percent interest rate lending platform which is based on "Mesbah Point". A concept in which has emerged from preventing the collection of interest in direct-to-consumer related financial transactions. By grafting the amortization and the time value of money, using the same interest rate and the same term as used in amortization, the total amount of interest occurring during the amortized loan has been discounted. The amounts of discounted values between the range of 5-30 year terms and the interest rates 1%-30% shows a parabolic pattern. The vertex point of the parabola is named as ?Mesbah Point? in order to distinguish this conceptual point. Therefore, MP is the optimum amount of upfront payment collected, irrespective of the interest rate, in order to issue an interest free, zero percent loan.

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