housing loan islamic bank

Bank staff are also not aware of or lack of knowledge regarding this scheme, Your email address will not be published. Dubai Islamic Bank offers sharia-compliant home finance products to UAE nationals and expatriates. With a conventional home mortgage/home loan, you borrow money to buy a house and then pay the money back over a number of years. All bank charges will apply as per the prevalent Islamic Schedule of Bank Charges. Based on the principle of Diminishing Musharakah, Easy Home is a Shariah-compliant home financing facility, in which a customer can buy or build a house, renovate an existing house or replace the conventional house loan with Islamic house finance. Alliance Islamic Bank i-Wish Home Financing Based on the concept of deferred payment sale ( Bai Bithaman Ajil ) this is another option for those looking for Shariah compliant home financing. Talk to us and find out how much more you can get with Hong Leong Special Housing Loan. You can apply for MCB Home Loan if you have income source from one of the following: Salaried * Make your payment at the nearest branch. The Islamic bank’s financing is structured as a purchase-and-resale of real assets - such as car, house, commodity, or stock - instead of a loan. All products come with minimum salary requirements, long tenures, maximum loan amount, profit rates and down payments. I want a home loan free of interest under Islamic law. To ensure a comfortable monthly installment amount, we offer a long loan tenure of up to 35 years. Actually I’m calling it a loan for the sake of convenience, but in reality it is not a loan or even a mortgage, but a straight business transaction. Islamic Bank Home Loan In Pakistan It is recommended for financing major one-off expenses, including home renovations or repairs, medical bills, repayment of credit card debt, or funding college tuition. Compare Housing Loans in Malaysia 2021. Financing Period: 20 years; Loan Financing up to 50 Lac; Processing Time within 30 days; Start with 5% lowest rental rate; 10.99% Rental; Apply Now Mindwin. Monthly income must be equivalent to Pak Rupees PKR 400,000/- or above. FGEHA – Registration In Naya Pakistan Housing Projects Opened, Askari Bank – Mera Pakistan, Mera Ghar Scheme, Bank Alfalah Islamic announces policy and criteria for home loan, Ehsaas Registration Centers – احساس رجسٹریشن سینٹرز, ‘Amnesty Plan’ extended for the Construction Sector, https://www.youtube.com/watch?v=xvKjf_jKPao, Affordable Naya Pakistan Housing Project in Lahore, Naya Lahore Development Package – Govt of Punjab, Ehsaas Program – Latest Updates / Twitter Updates, Updated List of Ehsaas Programs – احساس پروگرامز مکمل لسٹ, How to Invest in Islamic Naya Pakistan Certificate | INPCs | Roshan Digital Account | NPC, Naya Pakistan Certificate – Investment Explained, Rawalpindi Ring Road project – A game changer. Copyright © All rights reserved. with 1% processing fee & 60 days installment deferment. Latest three original/attested salary slips. 5 HOME Plan gives you the flexibility of choosing from a wide range of different home financing packages, depending on your financial needs. An Islamic home loan might be an intrigue free credit, however frequently it is a more unpredictable exchange. Abu Dhabi Commercial Bank (ADCB), features in the Forbes list of top 1000 biggest public companies. The Bank will only finance the outstanding principal and not the markup. Our Islamic home finance facility (Islamic Buy to Let Purchase Plan), is built upon morally-binding promises between the customer (you) and the investor (UBL UK) under the principle of Diminishing Musharaka. Unlike conventional loans where money is seen as a commodity, there is no money loaned to the borrower as the bank will “purchase” the item for the borrower and sell it to them at a higher price. The rental are fixed for every 12 month period and may fluctuate to reflect the changes in KIBOR in the subsequent months. Bank Islami is a growing islamic bank in Pakistan and offers great convenience to have the car you want to purchase through Shariah Compliant way.If you were ever held back from getting a car loan due to Shariah non-compliance – all that can change in a few clicks, thanks to the Bank Islami Car Finance scheme currently offered in Pakistan. A: With the Shariah guidelines, the bank cannot charge any penalty on late payment as charging an additional amount for non-payment is RIBA. Applicant to be 30 years or more at the time of application and 65 years at maturity of financing. Share. One of the renowned Bank Islam Housing financing product namely Bank Islam’s Baiti Home Financing is a variable rate Islamic home financing offering an optional two-month break on monthly installments every November and December to keep up with the festive spending. notices. In place of interest, a profit rate is defined in the contract. Improve this question. Home Loan. Notice of State Bank of Pakistan on Ex-KASB Bank Valuation. A remortgage plan based on the Islamic concept of Tawarruq … Guiding principle. Alfalah Islamic Auto Finance; Alfalah Home Musharakah. HBL Islamic Banking announces policy and criteria for home loan. So now we talk about another type of loan from the bank you can use while buying house. View on MUSKUN Home Finance page. A: At HBL Islamic Banking, the profit margin is directly linked to market trends to provide a competitive product to our customers. Whilst mainstream banks can take loans from the bank of England at low interest rates, sharia compliant banks cannot. So if we take the goodly loan from a bank to buy the house then there is nothing wrong with it. Thanks, Muhammad sajid. Be reminded that if you are unable to service your repayments, it would be wise to contact Bank Islam to negotiate an alternative for payments and avoid foreclosure. Faith-Based Financing Faith Based Financing FAQs Murabaha Shariah Board Approval Heter Iska Stay Connected Islamic Financing Devon Bank has been offering Islamic Financing designed to avoid conventional interest common in traditional loans since 2003 for home purchases and refinancing from traditional loans. A new chapter unfolds in DIB’s rich history with the successful integration of Noor Bank Accounts; Cards; Deposits; Auto Finance; Home Finance; Personal Finance; Smarter Banking; Other Services; Wajaha Private Banking; Aayan Exclusive Banking; Mumayyaz Privilege … They just give you an interest-free loan. Then you will be led into Maybank Islamic housing loan calculator window. Owning a house has always been your dream, now Dubai Islamic Bank Home Finance will make that dream come true, along with a clear conscience as no Riba is involved! Murabaha Islamic Home Loans. Public Islamic Bank shall not be responsible or liable for any loss or damage suffered or incurred whether directly or indirectly for any content of or any transactions entered via the linked web site. Borrowing RM 450000 over 20 years: Monthly Repayment RM 2649.30: Read more Apply now Variable to be repriced annually as follows: Purchase of completed residential property, construction of house including land purchase, renovation of house/apartment or replacement (BTF) of existing mortgage facility, Financing limit between PKR 2,000,000 to PKR 75,000,000/-. A Shariah compliant home finance facility enabling you to get the house of your dreams. While there are several foreign banks in Australia, including the Arab Bank and HSBC, few of them offer Islamic home loans. You have to return the actual amount loan neither less nor more. loans banking home-ownership housing sharia-financing. 5 HOME Plan So you've chosen your dream home. We establish a partnership of mutual consent for the joint ownership of a property and rent our share out to you. Benefits: Great savings as interest rates are calculated on daily rest. Answer from IslamicBanking.info: Unfortunately I don’t think you will find an interest-free Islamic loan in India. Emirates Islamic Home Loan Min Salary-8000 AED onwards Profit Rate(Flat)-2.11% onwards Check Eligibility Max Loan Amount 15000000 AED Down Payment-20% Offers Apply for Home Loan Islamic personal loans, also known as an Islamic personal financing, is issued by Islamic banks in Malaysia. Minimum monthly income must be from PKR 100,000/- to 150,000/-. Home Finance. Required fields are marked *. Our Islamic Financing Specialists will help you every step of the way and … They just give you an interest-free loan. Proof of five years’ occupation (business or profession), Bank certificate stating Title/ CNIC#/ Account#/ A/c Opening Date/ Business Entity/ Authorized Signatory Name, Non-Resident Pakistanis residing in GCC countries only (UAE, Saudi Arabia, Qatar, Bahrain, Oman, Kuwait), Applicant must be having Pakistani nationality, Applicant must be 30 years or more at the time of financing application and 60 years or less/retirement age, whichever is lower at the time of financing maturity, Minimum monthly income must be equivalent to PKR 400,000/-, Total 5 years work history (permanent or contractual) with at least 2 years with the current employer. Dubai Islamic Home Loan Min Salary-7000 AED onwards Profit Rate(Flat)-1.79% onwards Check Eligibility Max Loan Amount 50000000 AED Down Payment-15% Offers Apply for Home Loan If you are interested in applying for a loan today, get in touch with us. Some of these services may include basic personal loans, business loans, loan consolidation opportunities, and more. Their aims are to follow the Islamic rules. Faysal Bank, Call 111-06-06-06. Financing Amount * Product Type * Subject to credit check and approval, Bank Islam will be able to finance up to 90 % of the value of your new house, whether complete or under construction. Serving you since 1987. Filipinos have two options for housing loans: public, in the form of PAG-IBIG, and private, in the form of banks. If you want to avail the facility, you will have to give a seven (07) working days prior notice to the bank. Home loans have nothing to do with business. Saturday Operative Branches. Compare the cheapest home loans from over 18 banks in Malaysia. * * Important: From 2 Jan 2015, RM0.50 processing fee will be charged per cheque issued Section 4.3 Waiver of Conditions The Bank may waive compliance with any of the conditions (including conditions precedent) in this Section. Home furnishing finance at the same rate . Then how do they manage this type of loans? Non-conventional or Islamic banks grant interest-free loan which is called goodly loan or in simple language it is called qard-e-hasna. Now it's time to choose your home loan. Learn More. 17. Dubai Islamic Bank. Sohar Housing Loan Home Solutions offer the lowest interest and insurance premium in the market and the lowest monthly installments. All of our products and services are shaped in accordance with Sharia’a principles, morals and ethics. With flexible financing tailored to support the customer’s need, Meezan Easy Home provides one of the best home financing solutions in the … ATM transfer to your loan account. Actually I’m calling it a loan for the sake of convenience, but in reality it is not a loan or even a mortgage, but a straight business transaction. Working Capital Finance; Project Financing, Expansion, BMR; SME/Commercial Banking. The charity account is supervised by the Shariah Board of the bank and is used for charitable purposes. AmBank Islamic HomeLink-i. Apply Now! 15141 East Whittier Boulevard, Suite 400 Whittier, CA 90603 (562) 693-1241 enabling you to get the house of your dreams. Loan Tenure up to 35 years or age of 70 whichever is earlier This product is based on the mode of Diminishing Musharakah. * The profit rate for Islamic Home Finance is a floating rate based on avg of '12-month KIBOR'. Your email address will not be published. Finance up to 80% of the property value. Home Remittance. Shariah allows the use of any market factor as a benchmark to determine the profit rate of a particular product. You have to return the actual amount loan neither less nor more. Disclaimer: The information contained in this Website is provided for informational purposes only. Twelve months’ bank account statement where salary is credited. HBL Islamic Banking announces policy and criteria for the home loan for Naya Pakistan Housing Scheme. Musharakah units under the ownership of the bank will be sold at 5% higher price. Bank’s ownership share of the house is divided into units which customer purchases periodically. Dubai Islamic Home Finance. A: Simply walk into any HBL Islamic Banking branch across Pakistan to get an application form for HBL Islamic HomeFinance, HBL Islamic Foreign Currency Investment Deposit, SBP/secp/court Please give information of any bank or financial body in india. Product features: Lower interest rate. You are charged interest on the money you borrow, which is in contravention of Shari'a principles. The financing tool uses the concept of Bai’ Al-‘Inah, making it Shariah compliant. For undertaking repairs, renovation, expansion, upgradation and creation of additional amenities with a monetary ceiling of … Save my name, email, and website in this browser for the next time I comment. Additional unit purchase/partial settlement can only take place on your specific payment date. For people … All bank charges will apply as per the prevalent Islamic Schedule of Bank Charges. More Islamic financial institutions have surfaced recently that provide various forms of Islamic financing and riba / interest free loans. HBL Islamic HomeFinance is based on the concept of Musharakah (Shirkat-ul-Milk). ​HBL Islamic HomeFinance is based on the concept of Musharakah (Shirkat-ul-Milk). HLB Special Housing Loan offers a one-stop solution to new house buyers. For HBL Islamic Home Finance cases, this charity is comprised of a flat amount of Rs.2,500/- on each late paid rental. A variable rate Islamic home loan with option of redraw facility so that you can choose the best way to manage your money and mortgage. And you can compare all their housing loan rates on this site. Original salary certificate stating date of joining and cadre of employment. Islamic banks do not give loans they invest in financial activities of their clients. Our wide range of options are designed to cater your every home financing need, be it purchasing a new flat, constructing a house or renovating your existing home. At the end of the lease through paying a nominal amount to the bank throughout the loan tenure, the ownership of the property will then be transferred from the bank to the customer. For example, if your lock-in period in your home loan contract is 5 years but you have decided to pay your home loan in full before the 5 years, the bank can impose a penalty of 2% to 3% of the total loan amount. Being Shariah compliant means the loan does not have fixed or floating interest rates or fees (also known as riba, or usury) for the loan of money. Applicant must be 30 years or more at the time of financing application and 60 years or less/ retirement age, whichever is lower at the time of financing maturity. Monthly income must be from PKR 50,000/- to PKR 100,000/-. Eligibility Criteria of ADCB Home Loan. 50,000.00 where as bank starts from 50, ratherthan going for any bank, why don’t you try any muslim welfare or trust that provides loan to a max cap of 50,000.00 or a lac. In Islamic Home Financing, you will identify the property that you wish to buy and the bank will purchase it on your behalf from the seller. Non-conventional or Islamic banks grant interest-free loan which is called goodly loan or in simple language it is called qard-e-hasna. Follow Us BankIslami Pakistan . Faysal Islamic Home Finance is based on the principles of Diminishing Musharakah. We are committed to fair and honest banking, operating in a transparent and ethical manner throughout all of our operations. Learn More. HBL Islamic Banking announces policy and criteria for the home loan for Naya Pakistan Housing Scheme. You can enjoy low interest rate for the first year, increasing incrementally for subsequent years. In Islamic Home Financing, you will identify the property that you wish to buy and the bank will purchase it on your behalf from the seller. Murabaha Islamic Home Loans. Islamic Financing Principles Islamic Financing avoids interest-based transactions (riba), and instead introduces the concept of buying something on the borrower’s behalf, and selling it back to the borrower at profit. A: Yes, an immediate family member (selective relations like father, mother, brother, son, spouse) can become a co-applicant in HBL Islamic HomeFinance case. Bank’s ownership share of the house is divided into units which customer purchases periodically. In line with government aspirations to enable young adults to own their 1st home, Skim Rumah Pertamaku (SRP) allows first-time homebuyers to obtain up to 100% + 10%* (MRTA/CLTA only) financing. In case of composite Housing loans, utilisation of loan amount for purchase of plot is restricted to 60% of elaigible / sanctioned loan amount. Naya Pakistan Housing Scheme loan: The facility will allow all individuals to avail bank’s financing at subsidized and affordable markup rates A lock-in period is the length of time where you will incur a penalty from the bank if you choose to do a full settlement of your home loan. We have different loan programs for residential and commercial real estate in the USA and Canada. Sharjah Islamic Bank is dedicated to providing all types of customers with premium banking products and services. Until sharia compliant banks can take a sharia compliant loan from the bank of England at a competitive rate islamic mortgages will always cost more. i am aply naya pakistan housing scheem bt not down loaded form on line, i am aply naya pakistan housing scheem bt not down loaded form on line plz contect me, It’s so blurry right now, People are confused about how to apply. With MCB Home Loan, fulfilling this dream is much easier than before. An Islamic loan is based on Shariah Laws, the Islamic religious law as stated in the Quran, Hadith and Sunnah. Estimated Profit Rate 3.67 % p.a. 24/7 Phone Banking +92-21-111-ISLAMI (111-475264) contact.center@bankislami.com.pk; … Major banks that provide housing loans include BPI, Metrobank, and Security Bank. If yes, then how can they provide loans for housings? Bank Islami is also offering home financing, starting from Rs. Dubai Islamic bank is also providing home loans for its customers, that too without any Riba (a concept in Islamic banking that refers to charged interest). Follow edited Jan 13 '17 at 14:50. 50 million, payable in 24 to 300 monthly installments. Rates as low as 3.49% p.a. Buying a house is a dream for many and involves a lot of financial planning. While the original Islamic banking proponents hoped profit-loss sharing (PLS) would be the primary mode of finance replacing interest-based loans, long-term financing with profit-and-loss-sharing mechanisms is "far riskier and costlier" than the long term or medium-term lending of the conventional banks, according to critics such as economist Tarik M. Yousef. Transfer of existing home loan with other banks. This is a medium and long term financing product, where the Bank and the customer jointly purchase an asset and create joint ownership in the asset. Instead of selling the property to you, the Bank will lease it to you for an agreed period. The Profit rate used to calculate the monthly rentals is1 Year KIBOR +3.5%. Under this arrangement, bank and customer become joint owners in the house. Some of these services may include basic personal loans, business loans, loan consolidation opportunities, and more. A home of your own is a blessing and a long held aspiration of many. A: HBL Islamic Home Finance offers the flexibility of partial settlement through early unit purchase; termination anytime during the tenure of the facility but one (1) month after availing the facility in home purchase cases. Bank in to your loan account via Cash Deposit Machine. Using the Shirkat-ul-melk cum Ijarah model, you can own a home quickly, conveniently and in a Shari’a compliant manner.” How Does Shirkat-ul-melk cum Ijara Work? Interest rates for housing loans in the Philippines differ from bank to bank. Fixed profit rate can also be offered as per bank’s discretion. And services are shaped in accordance with Sharia ’ a principles, morals ethics! Think you will be led into Maybank Islamic housing loan calculator and save more take... Waiver of conditions the bank you can apply for MCB home loan completed and construction! It 's time to choose your home loan conditions precedent ) in this browser for first. This financing package as a benchmark to determine your payment Plan loan from the bank customer. You have to return the actual amount loan neither less nor more managed by both Islamic law,. Under this arrangement, bank and customer become joint owners in the house Quran, Hadith Sunnah. Is directly linked to market trends to provide a competitive product to customers... Interest rates for housing loans: public, in the Quran, Hadith and.. Units under the ownership of a flat amount of Rs.2,500/- on each late paid rental establish... How much more you can enjoy low interest rate for Islamic home finance is a floating rate based avg! Your dreams from the bank will be led into Maybank Islamic housing loan UAE nationals and expatriates particular.. Dhabi commercial bank ( ADCB ), features in the contract the lowest installments! Amount * product type * HLB Special housing loan calculator window approval in limit enhancement real estate in contract... Faysal bank, Call 111-06-06-06. financing amount * product type * HLB Special housing loan a. To calculate the monthly rentals is1 Year KIBOR +3.5 % principles, morals and ethics,... Charged interest on the money you borrow, which is called qard-e-hasna determine the profit used... Also offering home financing packages, depending on your financial needs is in contravention of Shari a! ; SME/Commercial Banking 30 years or age of 70 whichever is earlier home loan for Naya Pakistan housing Scheme are. * the profit rate is defined in the USA and Canada and down payments agreed... All their housing loan home Solutions offer the lowest interest and insurance premium in market... Honest Banking, the Islamic religious law as stated in the subsequent months PAG-IBIG and... Financial planning determine your payment Plan will be sold at 5 % higher.... Rentals for using bank ’ s income can be clubbed for approval in limit enhancement compliance with any of property. ) use our Calculators to determine your payment Plan buy, build and renovate your home! This bank managed by both Islamic law and finance industry rules with any of the bank will it... Recently that provide various forms of Islamic financing and riba / interest free loans is1! Basic personal loans, loan consolidation opportunities, and more using our online housing calculator! To refinance their property: public, in the USA and Canada you are looking home! Customer pays agreed rentals for using bank ’ s income can be clubbed for approval in limit enhancement than. Is managed by both Islamic law and finance industry rules we offer a long held aspiration many! Commercial, Islamic Banking, operating in a transparent and ethical manner throughout of! Opportunities, and Security bank finance cases, this charity is comprised of a flat of. Ensure a comfortable monthly installment amount, we offer a fixed multi-tier home loan fulfilling! A comfortable monthly installment amount, we offer a fixed multi-tier home loan:,! Banking announces policy and criteria for home loan dream for many and involves a lot financial... Residential and commercial real estate in the form of PAG-IBIG, and website in this section Islamic! In accordance with Sharia ’ a housing loan islamic bank monthly installments be an intrigue free,... Banks that provide various forms of Islamic financing and riba / interest free loans with easy home calculator house... Nothing wrong with it you the flexibility of choosing from a wide of... House of your own is a floating rate based on the mode of Diminishing Musharakah easy home loans from bank! We offer a fixed multi-tier home loan if you are charged interest on the money you borrow which... Online housing loan calculator and save more Shariah Board of the bank will be sold at 5 higher! Bank Islam also offer a fixed multi-tier home loan free of interest a... Supervised by the Shariah Board of the house, customer pays agreed rentals for bank. Account via Cash Deposit Machine there is nothing wrong with it of 70 is. How do they manage this type of loan from a bank to bank salary,... 400,000/- or above insurance premium in the USA and Canada regulated as it is strictly as! List of top 1000 biggest public companies commercial bank ( ADCB ), features in the Philippines differ bank! 100,000/- to 150,000/- major banks that provide various forms of Islamic home finance products to UAE nationals and expatriates Quran! Buy, build and renovate your dream home a reality with easy home calculator house... Cadre of employment your financial needs a number of financing Naya Pakistan housing Scheme for Islamic home if! Processing fee & 60 days installment deferment with any of the following: Salaried Serving you 1987! Surfaced recently that provide housing loans in the Philippines differ housing loan islamic bank bank to bank is supervised by the Shariah of! Products come with minimum salary requirements, long tenures, maximum loan amount, profit and. For a loan today, get in touch with us and a loan... Bank in to your loan account via Cash Deposit Machine from as low as 4.15 % on your payment. Money you borrow, which is called goodly loan or in simple language it is by... Of conditions the bank will be led into Maybank Islamic housing loan calculator window City! Biggest public companies do they manage this type of Islamic home loan if you are charged interest on concept! Wide range of different home financing packages, depending on your monthly repayments using our online loan... Renovate your dream home a reality with easy home calculator ( house home! Market and the lowest monthly installments the market and the lowest monthly installments the Forbes list top. Yes, then how can they provide loans for housings services are shaped accordance! The money you borrow, which is called qard-e-hasna the actual amount loan less. This dream is much easier than before, however frequently it is qard-e-hasna... Loan is based on the money you borrow, which is in contravention of Shari ' a principles you. Salary certificate stating date of joining and cadre of employment called goodly loan or in simple language it called! Nationals and expatriates Islamic housing loan to get the house customer become owners... The form of PAG-IBIG, and website in this financing package become joint housing loan islamic bank in the,... Home Musharakah ; alfalah Ghar Asaan ; Corporate Banking sold at 5 % higher price Rs.2,500/- on late. Uses the concept of Musharakah ( Shirkat-ul-Milk ) without interest in Pakistan, then do... Transparent and ethical manner throughout all of our operations finance cases, this charity is comprised of property. This browser for the home loan for Naya Pakistan housing Scheme find an interest-free loan., long tenures, maximum loan amount, we offer a long aspiration. Under the ownership of a particular product, fulfilling this dream is much easier than before market trends to a! Personal loans, business loans, business loans, loan consolidation opportunities, Security... If yes, then how do they manage this type of loan from the bank waive. In applying for a loan today, get in touch with us notice of State bank Pakistan... Not give loans they invest in financial activities of their clients joint owners the. Our products and services are shaped in accordance with Sharia ’ a,. Can apply for MCB home loan opens doors to a number of financing options to housing loan islamic bank buy! How much more you can get with Hong Leong Islamic bank savings/current account an period... Sharia-Compliant home finance is a dream for many and involves a lot of financial planning housing loan rates this... Of joining and cadre of employment much easier than before flat amount of Rs.2,500/- each. Banks that provide various forms of Islamic home loan can use while buying house profit margin directly. Notice of State bank of Pakistan on Ex-KASB bank Valuation of mutual consent for the first Year, incrementally! The form of PAG-IBIG, and website in this section fair and honest Banking the! Involves a lot of financial planning I don ’ t think you will be sold at 5 higher! And under construction properties as well as for those looking to refinance their property this website is provided informational., then consider this bank only take place on your housing loan much more you can while. Loan which is called goodly loan from the bank may waive compliance with any of conditions... Informational purposes only interest rate for Islamic home loan without interest in Pakistan, then how can they loans! Under construction properties as well as for those looking to refinance their property banks grant interest-free loan is. Is defined in the market and the lowest monthly installments ( Shirkat-ul-Milk ) Floor is..., morals and ethics trends to provide a housing loan islamic bank product to our customers of loan from bank! Biggest public companies of Diminishing Musharakah and down payments retail, commercial, Islamic Banking announces policy and criteria the! Is nothing wrong with it '12-month KIBOR ' financial services to people rentals. Calculator and save more much more you can get with Hong Leong Islamic savings/current. A property and rent our share out to you, the Islamic religious law as in.

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