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THUMANI / FINANCINGA GUIDE TO ISLAMIC FINANCING

A considered way forward

Your next chapter.
With clarity at its heart.

Explore Islamic property financing with the structure, commitments and costs in view. We’ll help you prepare the questions that turn unfamiliar terms into a useful conversation.

Open the financing guide

Start with understanding

The name is the beginning.
The agreement holds the detail.

Islamic financing uses Shariah-based contractual structures. Ask the provider which structure applies to your property proposal and how its product is overseen.

Availability, property acceptance and approval remain subject to the provider’s assessment. Use the written product documents to understand your own responsibilities.

A little context goes a long way

A few terms.
A clearer conversation.

Open a term to explore its meaning and the questions to bring to your provider.

A READING GUIDE / NOT A PRODUCT MENU
01IjarahLease structure

A lease-based arrangement. The contract sets out the use of the asset and rental obligations; any ownership-transfer arrangement needs to be understood separately.

Ask your provider

  • What are the rental periods and payment components?
  • How are ownership and maintenance responsibilities documented?
  • What conditions apply to any transfer of ownership?
02MurabahaSale structure

A sale at a disclosed cost and agreed profit. The contract determines the sale price and payment arrangement.

Ask your provider

  • Is this structure available for my proposed property transaction?
  • What are the purchase sequence and agreed payment obligations?
  • What happens if I settle early or my plans change?
03Profit & rental pricingPayment terms

Payments can vary under some home-finance products. Read the pricing mechanism, fixed period if any, benchmark and reset terms in the offer.

Ask your provider

  • Which payment components are fixed and which can change?
  • When is pricing reviewed, and what affects the next payment?
  • Can you show a payment illustration if the benchmark changes?
04Takaful requirementsCover & contributions

Some home-finance products include life and property takaful contributions in the payment arrangement.

Ask your provider

  • Which cover is required and how are contributions charged?
  • What exclusions or responsibilities should I understand?
  • Are these amounts included in the payment illustration?

Read beyond the headline

One offer.
Every commitment in view.

Ask for the Key Facts Statement, offer documents and applicable charges. Read them together rather than comparing a single advertised rate.

01 / AT THE START

Your contribution

Confirm the amount you need to provide, the accepted property valuation and all purchase or arrangement costs.

02 / EACH PAYMENT

The full monthly amount

Ask for a breakdown of the payment components, applicable contributions and any future changes.

03 / THROUGH THE TERM

The conditions

Review security, property responsibilities and the consequences of missed payments.

04 / IF PLANS CHANGE

Settlement & flexibility

Ask for the rules and costs for extra payments, early settlement or switching providers.

Your conversation, prepared

Bring your priorities.
Leave with better questions.

Tell us about the property, your circumstances and the kind of financing you want to explore.

Talk to Thumani
  1. 01

    Describe the property

    Location, type, purchase stage and available records.

  2. 02

    Bring your financial picture

    Income, existing commitments and available contribution.

  3. 03

    Explain your preferences

    The questions you have about structure, payments and responsibilities.

Put the guide in context

THE PURCHASEExplore home financingTHE PREPARATIONUnderstand pre-approvalTHE PROJECTPlan an off-plan purchase

Questions worth asking

Clarity before
the commitment.

Does Islamic financing mean there are no costs?

No. Review the agreed payments, profit or rental pricing, contributions and applicable fees in the provider’s documents.

Will my payments always stay the same?

Not necessarily. Ask which components can vary, how pricing is reset and what a change would mean for your payment.

How do I understand the Shariah structure?

Request the product’s contractual explanation and information about the provider’s Shariah oversight. Direct product-specific religious questions to its qualified Shariah team.

Can I make extra payments or settle early?

Ask for the written rules and a settlement illustration. Applicable fees and the treatment of outstanding amounts depend on the agreement.

Does this page offer a particular bank product?

This page is an introductory guide. The provider must confirm available products, eligibility, property acceptance and the final terms for your application.

A thoughtful next step

A property plan
you understand.

Let’s put the right questions around the home you have in mind.

Start the conversation