Shariah-Compliant / Islamic Home Loans

The UAE, being an Islamic country, has a strong demand for Shariah-compliant home loans. These financing solutions enable home ownership while strictly adhering to Shariah principles through the following structures:

• Murabaha (Cost-plus-profit arrangement with the buyer)
• Musharaka (Partnership between the bank and the buyer)
• Ijarah (Rental agreement with the buyer)

Contractually, these products differ from conventional mortgages; however, banks generally do not differentiate them commercially. This means interest rates, fees, charges, and other terms remain largely the same. Several banks in the UAE offer exclusively Islamic mortgages, while others provide both options.

Financify provides access to solutions from all such banks. Shariah-compliant home loans are not limited to Muslim customers only, and a significant portion of our portfolio is with Islamic banks.