Ijara home finance in the UAE, lease your home, then own it.
The bank buys the property and leases it to you; ownership transfers to you at the end of the term. You pay a profit-based rental on a real asset — never interest on a loan.
Ijara is a lease-to-own structure. Your Islamic bank buys the property and leases it to you for an agreed term. Your monthly payment is a rental made up of two parts: a profit element for the use of the asset, and an acquisition element that steadily builds your path to full ownership.
At the end of the lease — or when you settle early — the bank transfers ownership of the property to you. Because the bank owns a real asset and shares the risk of holding it, this is a genuine lease, fully certified by the Sharia board, rather than an interest-bearing loan.
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Ijara home finance in the UAE, lease your home, then own it.
The bank buys the property and leases it to you; ownership transfers to you at the end of the term. You pay a profit-based rental on a real asset — never interest on a loan.
What is Ijara home finance?
Ijara is a lease-to-own structure. Your Islamic bank buys the property and leases it to you for an agreed term. Your monthly payment is a rental made up of two parts: a profit element for the use of the asset, and an acquisition element that steadily builds your path to full ownership.
At the end of the lease — or when you settle early — the bank transfers ownership of the property to you. Because the bank owns a real asset and shares the risk of holding it, this is a genuine lease, fully certified by the Sharia board, rather than an interest-bearing loan.