Ijarah Muntahia Bittamleek Financing
Ijarah Muntahia Bittamleek - a transparent, sharia-compliant lease-to-own path to your home or property, with ownership transferring to you at the end of the term.
What could you finance?
monthly rent
payment
* A guide only, using an indicative profit rate of 8% p.a. Your actual amount depends on your income, commitments and profile, and is confirmed on approval. Minimum down payment may differ by property type. Monthly rent excludes the Life Takaful contribution and applicable fees.
Sharia-compliant lease-to-own
Ijarah Muntahia Bittamleek lets you lease your chosen property with ownership transferring to you at the end of the term - a clear, ethical alternative to a conventional mortgage.
- verifiedFully sharia-compliant
- fact_checkTransparent pricing with clear profit terms
- event_repeatComfortable payment terms of up to 20 years
- apartmentAvailable for homes, flats and land
- constructionFinance to build or extend your home
- boltA simple digital journey, from application to approval
How Ijarah works
Select your property
Identify the property you wish to own.
Agreement
We purchase the property and lease it to you under a transparent Ijarah contract.
Rental plan
Pay your agreed monthly rentals over the agreed term.
Ownership transfer
Ownership transfers to you through a sale agreement at the end of the term or after complete payment, and once all dues are settled.
About Ijarah Muntahia Bittamleek
Shariah opinion (Fatwa)
Every contract is reviewed, approved and supervised by our independent Shariah Supervisory Board.
View the fatwaarrow_forward receipt_longFees & charges
Clear, fully disclosed fees and profit terms - no hidden costs and no surprises.
See fees & chargesarrow_forwardWill I qualify?
- check_circleMinimum age 21 years
- check_circleMinimum monthly income as per policy
- check_circleValid CPR and Bahraini ID
- check_circleProof of residence
Eligibility is subject to assessment and applicable terms and conditions.
Sharia compliance you can see
Our Ijarah financing is fully compliant with Islamic sharia principles, as verified by our Shariah Supervisory Board:
- check_circleActual asset ownership transfer at the end of the term or after complete payment, once all dues are settled.
- check_circleTransparent disclosure of all costs and profit margins
Before you apply
How is Ijarah different from a conventional mortgage?
With Ijarah Muntahia Bittamleek, we own the property and lease it to you; ownership transfers to you at the end of the term. There is no interest - you pay a transparent rental. All contracts used are approved by the Shariah Supervisory Board.
Can I finance a home I want to build?
Yes - Ijarah can be used to buy, build or extend a home, as well as for flats and land, subject to assessment.
How much can I borrow?
Your indicative amount depends on your income and existing commitments; CBB rules cap total monthly repayments as a share of income (DBR). Use the calculator for an estimate, then request a callback for a personalised figure.
Apply for an Islamic Finance
Leave your details and our team will call you to complete your Ijarah property finance application with you.
- Share your details below
- We call you to confirm & collect documents
- Get the approval
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