Islamic (Shariah-Compliant) Home Financing
Halal Home Ownership — The Ethical Way to Finance Your Property in the UAE
Looking for a property financing solution that aligns with your Islamic values?
Our Shariah-compliant mortgage options provide an interest-free path to home ownership — fully approved by Islamic scholars and UAE financial authorities.
What is Islamic Home Financing?
Islamic financing follows the principles of Shariah law, which prohibits paying or earning interest (riba). Instead of a traditional loan, Islamic finance involves asset-based contracts where the bank and buyer enter into an agreement such as:
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Murabaha – The bank buys the property and sells it to you at a profit, payable in instalments.
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Ijara – A lease-to-own model where the bank owns the property and leases it to you.
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Musharaka – A partnership where both you and the bank own the property jointly, and you gradually buy out the bank's share.
These structures offer a halal alternative while still allowing you to buy your dream home.
Who is it for?
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UAE Nationals
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Muslim expats living in the UAE
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Non-resident Muslims looking to invest ethically in UAE real estate
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Anyone seeking ethical, asset-backed financing
Benefits of Shariah-Compliant Mortgages
No riba (interest) — fully aligned with Islamic finance principles
Approved by UAE Shariah boards
Asset-backed — transactions involve real property ownership
Flexible terms — usually 5 to 25 years
Similar monthly payments to conventional mortgages
Available for ready and off-plan properties
How the Process Works
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Consultation & Qualification
We assess your profile and explain the types of Islamic finance structures available to you. -
Choose a Property
Once a property is selected, the bank purchases it on your behalf. -
Agreement & Monthly Payments
You enter into a structured agreement (e.g., Murabaha or Ijara) and begin making monthly payments. -
Full Ownership
At the end of the term, full ownership is transferred to you — riba-free.
