اسلامی بینکوں میں رائج ہاؤس فنانسنگ کے متداول طریقے اور ان کا شرعی جائزہ

Abstract

The desire for homeownership is a universal human need, providing stability and security for families. However, rising costs and limited income can turn this dream into a distant reality. In response, Islamic banks have introduced House Financing schemes that cater to the Muslim population seeking to purchase, build, or repair their homes. These financing methods, unlike conventional mortgages that involve interest (Riba), adhere to Shariah principles. However, questions remain regarding their effectiveness. This article critically examines Shariah-compliant home financing methods offered by Islamic banks. It delves into the specific mechanisms employed, such as Musharakah Mutanaqisah (diminishing Musharakah) and Ijarah (leasing with a promise to purchase). The analysis will assess whether these methods successfully address the need for affordable housing while ensuring strict adherence to Islamic principles.

The research aims to provide a clear understanding of Shariah-compliant home financing options available in the Islamic banking sector and its ability to meet the evolving needs of Muslim communities.