Sharia-compliant home finance in the UAE, made clearer
Compare the cost.Understand the structure.Know what you need upfront.
Explore Islamic home-finance options, understand your preliminary eligibility and calculate the likely cost of buying in the UAE.
AED calculationsUAE profilesEnglish and Arabic
Illustrative finance journey
See beyond the first monthly payment.
Move through the term to see how the estimated balance and cumulative payments change. This is a planning illustration, not a provider quote.
Basis: AED 1.2m finance, 25 years and an illustrative 4.5% annual profit rate held constant. Real products may use fixed and EIBOR-linked periods.
Start with your situation
Your UAE home-finance brief
Five answers create a useful preliminary planning view. No contact details and no credit check.
The number most calculators miss
What could you need before receiving the keys?
The deposit is not the full upfront cost. We separate property, mortgage and provider charges so the starting figure is more realistic.
Dubai example only using the full published sale registration fee. Bank processing, valuation, Takaful, agency and conveyancing costs are not included.
Compare the arrangement, not just the headline rate.
A lower starting rate may not produce the lower overall cost.
Fixed and variable profit
See the fixed period, reference benchmark, provider margin and review point.
Cash required
Separate the down payment from property, mortgage and provider charges.
Eligibility
Filter by residency, property status, emirate, income and employment type.
Sharia structure
Understand Ijarah, Murabaha and Musharaka without reducing them to a badge.
Exit and settlement
Review early settlement, transfer and property-sale treatment.
Evidence
Every live record will show its source, verification date and governance evidence.
Evidence, not a halal score.
We show the structure, provider governance and source documents so users can review the evidence.
- Provider sourceOfficial product and eligibility information
- Rate basisFixed, EIBOR-linked and review terms
- Last checkedDated records with visible status
- Sharia governanceProvider oversight and available evidence
Why My Halal Home exists
Faith-conscious home finance should not be the harder route.
We are building a clearer starting point for UAE households, with serious comparison intelligence underneath and no need to become an Islamic-finance expert first.
Read our story
UAE evidence ledger
A factual record of what is in place and what remains before launch.
Initial UAE product records are being compiled from official provider disclosures.
The operating and partnership model will be confirmed before public launch.
Discussions will focus on appropriately licensed UAE home-finance partners.
Provider governance evidence and independent editorial review standards are being defined.
Arabic terminology, disclosures and user journeys will undergo specialist review.
The initial proposition focuses on UAE residents purchasing completed properties in Dubai.
Questions before you start
Clear answers without turning an estimate into a promise.
Does this tell me I qualify?
No. It is a preliminary planning result based on published limits. A provider must assess income, commitments, credit history, property and documents.
Is My Halal Home a lender or broker?
Not currently. The UAE operating and licensed-partner model must be confirmed before public product promotion or applications begin.
Why does EIBOR appear in Islamic finance?
Some providers use EIBOR as a pricing benchmark. The contractual structure and Sharia governance remain separate questions that must also be reviewed.
Will the comparison cover every emirate?
The first verified release will focus on Dubai. Other emirates will be added only when their costs, ownership rules and provider data are properly modelled.