Ethical, Sharia-Compliant Financing for Your Dubai Property

If you’re looking to invest in Dubai but want to avoid traditional banking due to Riba (interest), Baraca offers a fully Sharia-compliant alternative.

Our financing solutions follow Islamic banking principles, allowing you to invest ethically and transparently.

How Does Islamic Financing Work?

For many investors, securing property financing means relying on conventional banks that charge Riba (interest), profiting from interest accumulation over time.

However, Riba is not permissible in Islam, creating a barrier for those who want to invest ethically and in line with their values.

Baraca’s Sharia-Compliant Solution

Through our banking partners, we offer Riba by offering two fully Sharia-compliant financing models, allowing investors to partner with the bank and acquire property in a way that is both ethical and transparent.

Murabaha

Cost-Plus Financing

The bank buys the property and sells it to the investor at a pre-agreed profit margin (instead of charging interest).
The buyer repays in fixed installments over time.

Key Benefit

Predictable payments, full transparency on costs.
Ijara

Lease-to-Own

The bank buys the property and leases it to the investor.
The investor makes rental payments until ownership is transferred.

Key Benefit

Lower initial costs, flexible payment structure.

Why Baraca is Truly Sharia-Compliant

Baraca’s Islamic financing solutions are designed to fully align with Sharia principles, ensuring fairness, transparency, and ethical wealth-building for investors.

Here’s how Baraca ensures true Sharia compliance:

No Riba (Interest)

Baraca structures transactions using Murabaha (cost-plus financing) and Ijara (lease-to-own models) to generate profit in a Sharia-approved way.

Genuine Risk Sharing

In line with Islamic finance principles, Baraca ensures that both parties share risks and rewards fairly, rather than placing an undue burden on the investor.

Asset-Backed Transactions

All financing is directly tied to a physical property, ensuring transactions are tangible, ethical, and free from speculation.

Transparent & Ethical Investment

Baraca only engages in fully halal transactions, meaning funds are never associated with non-compliant industries like alcohol, gambling, or speculative trading.

Standard Mortgage vs. Baraca Financing

Criteria
Standard Mortgage (Non-UAE Residents)
Baraca Financing
Down Payment
€120,000 (40%)
€60,000 (20%)
Monthly Mortgage
€1,000
€1,330
Monthly Rental Income
€1,730
€1,730
Monthly Profit
€730
€400
ROI on Down Payment
32.3%
58%

Without Baraca vs. With Baraca

Without Baraca

Financing options are limited to 60% for non-UAE residents.

With Baraca

We can finance up to 80% for non-UAE residents.

Let’s Talk About Your Investment Goals

Schedule a call and see how we can help you invest in Dubai with confidence.

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