Halal Home Financing Mini-Guide Choose a Riba-Free Path to Homeownership
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Introduction
Buying a home should be a source of barakah, not doubt. Conventional mortgages are built
on interest (riba), which is impermissible. Alhamdulillah, there are halal structures that get
you into a home without interest: Murabaha (cost-plus sale), Diminishing Musharakah
(declining partnership), and Ijara (lease-to-own).
Our Process
Murabaha — Cost-Plus Sale
The financier buys the property and resells it to you at a disclosed profit, payable in installments over time.
Diminishing Musharakah
You and the financier buy the home together. You gradually buy their share while paying rent for the portion you don’t yet own
Ijara — Lease-to-Own
The financier owns the property and leases it to you. You pay rent and, separately, you have a purchase undertaking to buy the home at a defined time or price.