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In this structure, the bank buys your chosen property and sells it to you at an agreed profit. You repay in fixed installments, making budgeting simple and predictable ideal for buyers who prefer clear home finance rates and no surprises.
The bank purchases the property and leases it to you for a set period. Once all payments are made, ownership is fully transferred to you. This option offers stability and flexibility, especially for long-term residents in the UAE.
A shared-ownership model where you and the bank jointly own the property. With each monthly payment, your ownership share increases until you become the full owner. It’s a balanced, fair, and faith-aligned approach to home finance UAE.
An Islamic home loan is a Sharia-compliant financing option that replaces interest with profit-based or lease-based structures such as Murabaha, Ijara, or Diminishing Musharaka.
Both UAE nationals and expatriates are eligible for Islamic housing loans, subject to income and credit requirements.
Home finance rates vary depending on your loan amount, tenure, and financial profile. Finnxstar helps you compare the latest home loan rates in Dubai across multiple Islamic banks.
Yes. All Islamic finance loan products are free from interest (riba). Instead, they operate on profit-sharing or lease agreements that comply with Islamic principles.
Absolutely. Finnxstar offers Islamic refinance options that let you transfer your current loan to a Sharia-compliant structure with minimal paperwork.
Most Islamic banks in the UAE require 15%–25% down payment, depending on your eligibility and property value.
With Finnxstar, you can receive pre-approval for your Islamic home loan in as little as 48 hours, depending on documentation.
Both options are available. You can choose a fixed profit rate for stability or a variable rate that adjusts based on market conditions.
Tenures usually range from 5 to 25 years, giving you flexibility to plan your repayments according to your income.
Simply fill out our online application form or speak to one of our mortgage advisors. We’ll match you with the best Islamic home financing plan in the UAE.
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