What is an Islamic Loan?
An Islamic Loan, also called Shariah-compliant or Halal financing, provides a way to purchase a home without paying or charging interest (riba). Instead of a standard mortgage, the financing is done through an ethical, transparent, and asset-backed contract such as Murabaha, Ijarah, or Musharakah — with shared responsibility and fairness at its core.
Popular Islamic Financing Models
| Model | Description |
|---|---|
| Murabaha | The financier buys the property and sells it to you at a pre-agreed profit. You repay in fixed installments with full price transparency. |
| Ijarah | The financier purchases the home and leases it to you. Your payments include rent and an optional buyout agreement. |
| Musharakah | You and the financier co-own the property. Over time, you gradually buy their share while paying rent for their portion. |
Why Choose Am Tampa Realtor?
- 100% Shariah-aligned: No interest, no hidden charges.
- Ethical & transparent: Clear, legally compliant agreements.
- Fairness built-in: Shared risk and responsibility.
- Flexible options: Choose the model best suited for your finances.
- Open to all: Ethical financing suitable for everyone, not only Muslims.
Our Service Includes
We guide you throughout the process — model selection, paperwork, institution coordination, approval timelines, and ownership transfer. With transparent profit margins and no interest charges, we ensure a smooth and compliant experience.
