Halal Home Finance
Islamic mortgage solutions. Coming soon to Hong Kong.
Buy a home without interest
Conventional mortgages are built on interest (riba), which is completely forbidden in Islam. Halal home finance uses Shariah-compliant structures that let you own your home without ever paying interest. Every payment goes toward your ownership.
How it works
We are in talks with Islamic financial institutions and property finance providers to bring halal home finance to Hong Kong. The exact structure will depend on what is most suitable for the local market. Here are the models under discussion:
Diminishing Musharakah
You and the bank jointly buy the property. Each month you buy a small share from the bank while paying rent on the remaining share. Over time your ownership grows until you own it completely.
Ijarah
The bank buys the property and leases it to you. You pay fixed monthly rent. At the end of the agreed term, the property transfers to you through a separate sale agreement.
Both models are fully Shariah-compliant. We are working with providers to determine which one can be offered in Hong Kong first. Your registration helps demonstrate demand.
What you will need
We are not a bank. We are collecting interest to show financial institutions that real demand exists for Islamic home finance in Hong Kong. The more people register, the faster banks will launch these products.
Register Your Interest
Fill in your details. We will contact you when halal home finance becomes available.