Islamic Home Finance Solutions
Shariah-compliant property financing through Murabaha, Ijara, and Musharaka. Interest-free, ethical home ownership aligned with Islamic principles.
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Islamic Home Finance 2025
Shariah Compliant
100% interest-free (Riba-free) financing certified by Shariah boards
Competitive Rates
Profit rates comparable to conventional mortgages from 4% APR
Multiple Structures
Murabaha, Ijara, Musharaka, and Diminishing Musharaka options
Flexible Terms
Financing periods up to 25 years with ethical profit sharing
Islamic Finance Structures
Murabaha (Cost-Plus)
The bank purchases the property and sells it to you at cost plus a profit margin. You pay in installments over the agreed period.
- Ownership: Immediate transfer to your name
- Profit: Fixed profit rate agreed upfront
- Popular For: Completed residential properties
Ijara (Lease-to-Own)
The bank purchases and leases the property to you. You gradually buy ownership through lease payments until full ownership transfers.
- Ownership: Gradual transfer over lease period
- Payments: Rental + ownership acquisition
- Popular For: Those preferring gradual ownership
Musharaka (Partnership)
The bank and you jointly purchase the property as partners. You gradually buy the bank's share over time.
- Ownership: Joint ownership, you buy bank's share
- Profit: Shared based on ownership percentage
- Popular For: Shariah-compliant equity participation
Diminishing Musharaka
Similar to Musharaka, but the bank's ownership share decreases over time as you purchase it progressively.
- Ownership: Your share increases monthly
- Payments: Rent + capital acquisition
- Popular For: Most common Islamic mortgage type
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Important: Illustrative Calculations Only
*These calculations are illustrative estimates only and do not constitute a loan offer or commitment.
- •Actual interest rates, fees, and terms vary based on your credit profile, employment, and bank policies
- •EMI calculations use illustrative rates (3.89%–4.99%) for estimation purposes only
- •Complete the pre-approval form to get personalized quotes from multiple UAE banks
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Related Financing Solutions
Looking to optimize your existing Islamic mortgage? Our Shariah-compliant refinancing solutions allow you to restructure your current Islamic home finance to secure better profit rates, adjust payment terms, or switch between different Islamic financing structures while maintaining full compliance with Islamic law.
If you already own property and need funds for education, business expansion, or investment, consider our Islamic equity release products structured through Shariah-compliant Murabaha or Ijara arrangements, allowing you to access your home's value without interest-bearing debt.
UAE nationals seeking Islamic home finance may qualify for enhanced government-backed programs offering higher financing ratios up to 85%, subsidized profit rates, and preferential terms through partnerships between Islamic banks and federal housing initiatives supporting Emirati homeownership.
Islamic Finance FAQs
Information Sources: UAE Central Bank, Dubai Land Department, LeoCompare Market Analysis