Some banks have a special investment deposit account, according to which, in addition to paying a specific rate of return, the depositors are also given the privilege of using mortgage facility. The depositor can use the facility of installment sale (rent under the condition of ownership) or other bank facilities in accordance with their score. However, the depositors can give this privilege to someone else for free or in exchange for receiving amount of money. The priority of facilities can be divided into two modes:
A) Priority of facilities in investment deposits
In addition to the investment deposits based on the Wakalah contract, banks can give the depositors the privilege of using bank facilities, which is not in conflict Wakalah contract. Depositors can transfer their privilege to other people in the form of sale or conveyance.
B) Priority of facilities in Qarz al-Hasan deposits

In Qarz al-Hasan deposits, if the right of priority of the facility is stipulated explicitly or collusively in the "Qarz al-Hasan Mumtaz Deposit Account", the deposit contract becomes a usurious contract.
The granting of priority right of Qarz-al-Hasana facilities explicitly or collusively is not a condition in the "Qarz-al-Hasan Mumtaz deposit account" and the bank can grant an optional privilege, However, the forms of usury is eliminated in theory, in practice it is similar to usury and it is difficult to control.

Revoking the Priority Right for Facilities

If the holder of the facility right does not use his right, this right is revoked, hence the refund of the money paid for its purchase is permissible.