{"id":40966,"date":"2026-04-13T13:29:32","date_gmt":"2026-04-13T13:29:32","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=40966"},"modified":"2026-04-13T13:29:32","modified_gmt":"2026-04-13T13:29:32","slug":"evaluating-the-shariah-compliance-of-ijarah-based-home-financing","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/evaluating-the-shariah-compliance-of-ijarah-based-home-financing\/","title":{"rendered":"Evaluating The Shari\u2018ah Compliance of Ijarah-Based Home Financing"},"content":{"rendered":"<p style=\"text-align: right;\"><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Fatwa ID: 08862<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Answered by Maulana Muhammad Zubair Khan Alizai<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Question:<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">I am looking to take home loan from Amanah bank in Australia which operates on Ijarah. Detail about their product is in below link. Can you please advise if its shariah compliant.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">https:\/\/amanah.com.au\/index.php\/<\/span><span style=\"font-family: verdana, geneva, sans-serif;\">our-products#how-it-works<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><strong><span style=\"font-family: verdana, geneva, sans-serif;\">In the name of Allah, the Most Gracious, the Most Merciful<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Answer:<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">I have had a look at their setup and fatawah from Australian boards of scholars and imams, that their Ijaarah <\/span><span style=\"font-family: verdana, geneva, sans-serif;\">based home finance is compliant with the Sharia.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">In the Islamic finance Ijaarah refers to leasing or renting a service or a house where the person renting out the house is called a Mustajir and the person renting the house is called an Aajir. <\/span><span style=\"font-family: verdana, geneva, sans-serif;\">Whether the Ijaarah can be used as financial transaction depends on the contract between the mustajir and the aajir.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">As a whole their home financing would be permissible solely based on looking at the compliance pdfs from the imams and scholars having <\/span><span style=\"font-family: verdana, geneva, sans-serif;\">written endorsements and permitted it.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Some examples;<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">&#8220;I confirm that based on my latest review as of 31 January 2024, Amanah has complied in all respects with the original Shariah certification of its external Shariah board.&#8221;<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">And;<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">&#8220;The board of Imams Victoria is proud to announce its official endorsement of Amanah Islamic Finance. The decision to endorse Amanah and its home financing product that is based on the concept of &#8220;Ijaarah Muntahia <\/span><span style=\"font-family: verdana, geneva, sans-serif;\">Biltamleek&#8221; or &#8220;lease ending with ownership transfer, was reached after thorough research into the product and its contracts by the Board of Imams qualified members.&#8221;<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">I would like to encourage you to contact local muftis in Australia who have direct contact to this organisation, and after consulting with them you can make a decision if you would like to go ahead with home financing with this organisation.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"font-family: verdana, geneva, sans-serif;\">References:<\/span><\/strong><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">\u0627\u0644\u0641\u062a\u0627\u0648\u0649 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(\u0642\u064e\u0648\u0652\u0644\u064f\u0647\u064f \u0648\u064e\u0641\u0650\u064a \u0627\u0644\u0652\u0628\u064e\u0632\u064e\u0651\u0627\u0632\u0650\u064a\u064e\u0651\u0629\u0650) \u064a\u064f\u0648\u0647\u0650\u0645\u064f \u0623\u064e\u0646\u064e\u0651\u0647\u064f \u063a\u064e\u064a\u0652\u0631\u064f \u0645\u064e\u0627 \u0641\u0650\u064a \u0627\u0644\u0652\u062e\u064f\u0644\u064e\u0627\u0635\u064e\u0629\u0650 \u0645\u064e\u0639\u064e \u0623\u064e\u0646\u064e\u0651 \u0639\u0650\u0628\u064e\u0627\u0631\u064e\u062a\u064e\u0647\u064e\u0627 \u0648\u064e\u0627\u062d\u0650\u062f\u064e\u0629\u064c\u060c \u062b\u064f\u0645\u064e\u0651 \u0625\u0646\u064e\u0651 \u0627\u0644\u0652\u0625\u0650\u062c\u064e\u0627\u0631\u064e\u0629\u064e \u0627\u0644\u0637\u064e\u0651\u0648\u0650\u064a\u0644\u064e\u0629\u064e\u00a0 \u0639\u064e\u0644\u064e\u0649 \u0645\u064e\u0627 \u0633\u064e\u064a\u064e\u0623\u0652\u062a\u0650\u064a \u0628\u064e\u064a\u064e\u0627\u0646\u064f\u0647\u064e\u0627 \u0627\u0644\u0652\u0623\u064f\u062c\u0652\u0631\u064e\u0629\u064f \u0641\u0650\u064a\u0647\u064e\u0627 \u0645\u064e\u0639\u0652\u0644\u064f\u0648\u0645\u064e\u0629\u064c \u0644\u064e\u0643\u0650\u0646\u064e\u0651\u0647\u064e\u0627 \u0641\u0650\u064a\u0645\u064e\u0627 \u0639\u064e\u062f\u064e\u0627 \u0627\u0644\u0633\u064e\u0651\u0646\u064e\u0629\u064e \u0627\u0644\u0652\u0623\u064e\u062e\u0650\u064a\u0631\u064e\u0629\u064e \u062a\u064e\u0643\u064f\u0648\u0646\u064f \u0628\u0650\u0634\u064e\u064a\u0652\u0621\u064d \u064a\u064e\u0633\u0650\u064a\u0631\u064d \u0641\u064e\u062a\u064e\u0623\u064e\u0645\u064e\u0651\u0644\u0652<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">\u0661 &#8211;<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">(\u0642\u064e\u0648\u0652\u0644\u064f\u0647\u064f \u0628\u0650\u0628\u064e\u064a\u064e\u0627\u0646\u0650 \u0627\u0644\u0652\u0645\u064f\u062f\u064e\u0651\u0629\u0650) \u061b \u0644\u0650\u0623\u064e\u0646\u064e\u0651\u0647\u064e\u0627 \u0625\u0630\u064e\u0627 \u0643\u064e\u0627\u0646\u064e\u062a\u0652 \u0645\u064e\u0639\u0652\u0644\u064f\u0648\u0645\u064e\u0629\u064b \u0643\u064e\u0627\u0646\u064e \u0642\u064e\u062f\u0652\u0631\u064f \u0627\u0644\u0652\u0645\u064e\u0646\u0652\u0641\u064e\u0639\u064e\u0629\u0650 \u0645\u064e\u0639\u0652\u0644\u064f\u0648\u0645\u064b\u0627 (\u0642\u064e\u0648\u0652\u0644\u064f\u0647\u064f \u0648\u064e\u0625\u0650\u0646\u0652 \u0637\u064e\u0627\u0644\u064e\u062a\u0652) \u0623\u064e\u064a\u0652 \u0648\u064e\u0644\u064e\u0648\u0652 \u0643\u064e\u0627\u0646\u064e\u062a\u0652 \u0644\u064e\u0627 \u064a\u064e\u0639\u0650\u064a\u0634\u064e\u0627\u0646\u0650 \u0625\u0644\u064e\u0649 \u0645\u0650\u062b\u0652\u0644\u0650\u0647\u064e\u0627 \u0639\u064e\u0627\u062f\u064e\u0629\u064b\u060c \u0648\u064e\u0627\u062e\u0652\u062a\u064e\u0627\u0631\u064e\u0647\u064f \u0627\u0644\u0652\u062e\u064e\u0635\u064e\u0651\u0627\u0641\u064f\u060c \u0648\u064e\u0645\u064e\u0646\u064e\u0639\u064e\u0647\u064f \u0628\u064e\u0639\u0652\u0636\u064f\u0647\u064f\u0645\u0652 \u0628\u064e\u062d\u0652\u0631\u064c.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">\u0648\u064e\u0638\u064e\u0627\u0647\u0650\u0631\u064f \u0625\u0637\u0652\u0644\u064e\u0627\u0642\u0650 \u0627\u0644\u0652\u0645\u064f\u062a\u064f\u0648\u0646\u0650 \u062a\u064e\u0631\u0652\u062c\u0650\u064a\u062d\u064f \u0627\u0644\u0652\u0623\u064e\u0648\u064e\u0651\u0644\u0650<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">And only Allah Taala knows best<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Written by Maulana Muhammad Zubair Khan Alizai<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Checked and approved by Mufti Mohammed Tosir Miah<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Darul Ifta Birmingham<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fatwa ID: 08862 &nbsp; &nbsp; Answered by Maulana Muhammad Zubair Khan Alizai &nbsp; Question: &nbsp; I am looking to take home loan from Amanah bank&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"_links":{"self":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40966"}],"collection":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=40966"}],"version-history":[{"count":1,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40966\/revisions"}],"predecessor-version":[{"id":40967,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40966\/revisions\/40967"}],"wp:attachment":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=40966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=40966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=40966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}