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With our Islamic home finance products, you pay rent not interest when you purchase or refinance a property.
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Unlike conventional mortgages and refinances, Al Rayan Bank's Sharia compliant Home Purchase Plans (HPP) and Buy to Let Purchase Plans (BTLPP) do not involve interest charges and are based on joint ownership.
Your monthly payment increases your share in the property and includes a payment for the use of the share that the Bank owns. At the end of the finance term you will own the property outright.