||The method of granting facilities by the system of banking without usury is divided into two groups: (1) partnership contracts, and (2) exchanging contracts.
In this project, the research has been done on civil partnership and bailment group (1), and sale on installments and sale on debt in group (2).
A. Bailment is a contract by which an agent with the capital of the owner starts a commercial activity and the gained profit, according to previous agreement, is divided between each other. The agent can receive the bailment capital at once or gradually.
B. Civil partnership is mixing jointly the cash and non-cash contribution of different individuals, in order to benefiting, according to contract. This contract is used in most commercial aspects as: commerce technology, mine and services.
C. sale on installments which is of proofs of sale contract is a form of legal trade. It is of the most evident sorts of sale on credit, which, in Iranian banking is divided in to: housing, technology and mine, and accessory and work tools sale on installments.
D. in sale on debts, individuals by their goods on credit by issuing drafts and bills of exchanges in due dates. Salespersons took the draft to the bank to discount in buyers credit account. In sale on debt signers of drafts and discounter should be authentic. The due date of these kinds of facilities is one year, and the subject of sale on debt is the only documents and negotiable instruments that their contents show the rightful liability caused by commercial deals of credit. Letters of guarantee, short sale papers for goods and services, and superficial and friendly documents are not acceptable.
A) Owner – agent. Capital. Benefit. Act. Bailment of capital. B) Civil partnership. Company. partners. Contribution. Object of company. Property belonging.To the partnership dissolution. Liquidation.
C) Credit sale. Installment sale. By installment parties of contracts. Making an owner. Substance. Object of sale.
D) Sale. Debt. Discount. Usury.