UAE Islamic Mortgage Calculator 2026
Calculate Sharia-compliant home finance payments using Murabaha, Diminishing Musharakah, or Ijara. Compare Islamic mortgage options from UAE top Islamic banks.
Islamic mortgages in the UAE are Sharia-compliant home finance products that replace interest (riba) with profit-sharing or lease-based structures. All UAE Islamic banks are certified by Sharia Supervisory Boards.
Murabaha: Bank buys and resells to buyer at higher price — fixed profit margin, no rate risk. Diminishing Musharakah: Bank and buyer co-own; buyer buys out bank share over time while paying rent. Ijara: Bank owns and leases property; ownership transfers at end of term.
Current profit rates: 3.89% to 5.5% per annum (April 2026). Available to Muslims and non-Muslims alike. Major UAE Islamic banks: ADIB, DIB, Emirates Islamic, Sharjah Islamic Bank, Al Hilal Bank.
Common Questions
What is an Islamic mortgage in UAE?
A Sharia-compliant home finance product using Murabaha, Musharakah, or Ijara structures instead of interest (riba).
What is Murabaha?
The bank buys the property and resells it at a higher agreed price. You pay in fixed installments. No interest — just a fixed profit margin.
Which UAE banks offer Islamic mortgages?
ADIB, Dubai Islamic Bank (DIB), Emirates Islamic, Sharjah Islamic Bank, Al Hilal Bank, and Islamic windows of several conventional banks.
Is Islamic mortgage cheaper?
Effective rates are similar to conventional mortgages (3.89–5.5% in 2026). The difference is Sharia compliance, not price.
Compare Murabaha, Diminishing Musharakah, and Ijara structures. All UAE Islamic mortgages are Sharia-compliant — no riba (interest).
Typical UAE Islamic mortgage profit rate: 3.89–5.5%
Murabaha (Cost-plus): The bank purchases the property and sells it to you at a pre-agreed higher price. You pay in fixed installments. Profit is fixed upfront — no interest.