Calculating the installments of Gharz al-Hasna facilities and the relevant fee was raised at the 53rd session of the Central Bank of Iran's Sharia Council and approved as follows:

A- The fee for Qarz al-Hasna facilities must be determined according to the jurisprudential logic of "wage" or "actual cost of services provided by the bank to provide facilities."

B- The method of calculating the fee in Gharz al-Hasna loan agreement must not be similar to calculating the rate of return of the facilities, it means, for example, the calculations of the Qarz al-Hasna facilities with a 4% fee must not be similar to the calculations of Murabaḥah facilities with a rate of only 4%. It is necessary the fee to be determined on the basis of actual wage.

C- Banks and non-bank credit institutions are obliged to calculate the final cost of equipping and allocating Qarz al-Hasna resources separately from other sources and to base the fee on Qarz al-Hasna facilities.

D- It is forbidden to deduct the fee from the principal amount of Qarz al-Hasna facilities.

E- The Deputy Supervisory Unit is obliged to submit a report to the Sharia Council on the actual costs of Qarz al-Hasna facilities on the basis of wage in the banking network.