For many homebuyers in the UAE, aligning their mortgage with Islamic principles is a top priority. This article provides a clear, comprehensive overview of Islamic home financing, including how it differs from conventional mortgages, what Shariah-compliance means, and the types of structures commonly used — such as Ijarah, Murabaha, and Diminishing Musharakah. We explain how profit rates work instead of interest, how contracts are structured, and what benefits Islamic mortgages can offer in terms of transparency and ethical investing. Whether you’re a first-time buyer or seeking to refinance under Shariah-compliant terms, this guide will help you understand your options and make a confident, informed decision.
