Kalkulator Gadai Janji Islam - Pembiayaan Rumah Halal

An Islamic mortgage is a Shariah-compliant home financing arrangement that avoids riba (interest). Instead of charging interest, Islamic mortgages use trade-based structures (Murabaha), lease-based structures (Ijara), or partnership models (Musharaka Mutanaqisa) to facilitate homeownership while adhering to Islamic law.

Murabaha is a cost-plus sale where the bank buys the property and sells it to you at an agreed markup with fixed payments. Ijara is a lease-to-own arrangement where the bank owns the property and leases it to you until ownership transfers. Musharaka Mutanaqisa is a diminishing partnership where you and the bank co-own the property and you gradually buy out the bank's share, resulting in decreasing payments over time.

A conventional interest-based mortgage is considered haram because it involves riba (interest), which is prohibited in Islam. However, Islamic mortgage alternatives such as Murabaha, Ijara, and Musharaka Mutanaqisa are structured to comply with Shariah law by replacing interest with permissible trade or partnership arrangements.

Musharaka Mutanaqisa (Diminishing Partnership) typically has the lowest total cost among Islamic mortgage methods because the profit is calculated on the bank's decreasing share. Ijara is usually the next most affordable, while Murabaha tends to have the highest total cost due to its flat-rate markup structure.

Islamic mortgages are available in many countries. In Canada, providers include Manzil, Zero Mortgage, and Guidance Residential. In the US, Guidance Residential, UIF Corporation, Devon Bank, and Ameen Housing offer halal financing. In the UK, Al Rayan Bank, Gatehouse Bank, and Wayhome provide Islamic home financing. In Australia, MCCA and Amanah Islamic Finance serve the Muslim community.