Islamic home finance

Sharia-compliant Ijara and Murabaha structures from the UAE's Islamic banks and Islamic windows of conventional lenders.

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WHO IT'S FOR

For Sharia-compliant buyers.

Sharia-compliant buyersBuyers who want a home finance structure free of conventional interest.

Residents & non-residentsIjara and Murabaha are available to the same buyer profiles as conventional finance.

First-time & repeat buyersThe same deposit and tenor principles apply as with conventional mortgages.

InvestorsIslamic structures are also available for buy-to-let and portfolio purchases.

ELIGIBILITY & THE NUMBERS

Where this typically lands.

Indicative figures: every case is confirmed against the specific bank, property and buyer profile.

IjaraBank leases the property to you, ownership transfers at term end

MurabahaBank sells at an agreed profit, repaid in fixed instalments

Same bandsDeposit and tenor mirror conventional finance

HOW IT WORKS

How the structures work.

Choose your structureIjara (lease-to-own) or Murabaha (cost-plus sale). We explain the difference against your situation.

Bank acquires the propertyThe Islamic bank purchases (or takes a beneficial interest in) the property on your behalf.

Fixed profit-rate scheduleYou repay through a pre-agreed profit rate rather than compounding interest, on a fixed schedule.

Ownership transferUnder Ijara, legal title transfers to you at the end of the term; under Murabaha, it typically transfers at the outset with the bank retaining a mortgage interest.

Registration & handoverThe structure is registered with the Dubai Land Department, and you take possession as agreed.

A NOTE FROM THE DESK

"Sharia-compliant doesn't mean fewer choices; most of our conventional panel has an Islamic window, alongside the dedicated Islamic banks."

FREQUENTLY ASKED

Common questions.

Is Islamic home finance available to non-residents?

Yes. We arrange Sharia-compliant Ijara and Murabaha home finance through the UAE's Islamic banks and Islamic windows of conventional banks.

What's the difference between Ijara and Murabaha?

Under Ijara, the bank retains ownership and leases the property to you, with title transferring at the end of the term. Under Murabaha, the bank buys the property and sells it to you at an agreed mark-up, repaid in fixed instalments. Both avoid conventional interest; the right one depends on your plans and the bank's product.

Do deposit requirements differ from a conventional mortgage?

Generally, no. The same residency-based deposit bands apply. The difference is in how the finance is structured and repaid, not in how much you put down.

Ready to see your own numbers?

Run the calculator for an indicative repayment, or book a call with the desk to structure the finance for this exact case.