Islamic Home Finance Calculator
What would your Islamic home finance payments be in Dubai?
Estimate your monthly payment under a Diminishing Musharaka structure — the Sharia-compliant model used by UAE Islamic banks, with no interest charged.
Islamic Home Finance Calculator
Based on a Diminishing Musharaka (declining partnership) structure.
AED
The full price of the property you want to co-own with the bank.
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Your upfront contribution — the bank initially co-owns the rest.
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The profit rate used to calculate your rental payments on the bank's share — not compound interest.
This is an estimate only. Actual Sharia-compliant structures, profit rates, and fees vary by bank — speak to an Islamic bank directly for a certified offer.
Enter a property price to estimate your Islamic home finance payment.
Good to know
How Islamic home finance works
Diminishing Musharaka: the bank and you jointly own the property from day one. Your monthly payment combines a rental charge on the bank's share plus an acquisition payment that buys out a slice of that share — your ownership grows until you own 100%.
Ijara: the bank buys the property outright and leases it to you for fixed rental payments, with ownership transferring to you only at the end of the term — a lease-to-own structure rather than a gradual buyout.
Murabaha: the bank buys the property and immediately resells it to you at a pre-agreed, disclosed cost-plus-profit price, repaid in fixed installments — the profit margin is fixed upfront as part of a sale contract, not interest.
All three structures avoid riba (interest) by framing payments as rent, profit-on-sale, or partnership buyout rather than interest on a loan. This calculator estimates the Musharaka structure only — exact terms and Sharia certification differ by bank.