Own your home, Riba-free.
Discover authentic Shariah-compliant home financing options in your state. We match you with vetted providers offering Diminishing Musharakah and Murabaha models.
How Halal Mortgages Work
Conventional mortgages are based on lending money for interest (Riba), which is strictly prohibited in Islam. Halal home financing uses alternative models based on trade or partnership.
1Diminishing Musharakah
A co-ownership model. You and the financier buy the home together. You pay rent for the portion you don't own, while simultaneously buying out the financier's shares over time until you own 100%.
2Murabaha
A cost-plus financing model. The financier buys the home and sells it to you at an agreed-upon profit margin. You pay back the total amount in fixed monthly installments.
Why use Alzakkat?
- We only partner with AAOIFI-certified providers
- Compare rates without hard credit pulls
- Expert guidance tailored to your local market
Find a Provider
Get matched with top halal mortgage lenders in your area.