Our Program
Learn how our halal home financing program works
The Home Partnership Program
A true Shariah-based solution for home ownership that is 100% debt-free, riba-free, and mortgage-free.
How It Works
Halal Inc works with you, the Lead Buyer, to form a true Partnership that purchases the home you are interested in. Each partner (you and Halal Inc) owns a percentage of the Partnership based on the amount of money contributed.
Example: If you want to purchase a $100,000 home but only have $10,000, Halal Inc will invest $90,000 and you will invest your $10,000, giving Halal Inc a 90% share and you a 10% share.
Over time, you can purchase Halal Inc's share and your ownership increases while ours decreases. During the life of the partnership, all expenses, profits, and losses are shared by both partners in proportion to their share at the time.
Key Benefits
- Shared Expenses - If the roof needs repair and you own 23% and Halal Inc owns 77%, we carry 77% of the cost while your portion is only 23%
- Option to Rent - You have the option, but not the obligation, to rent the home while you purchase ownership share
- Shared Profits & Losses - At time of sale, profits or losses are shared proportionally. You NEVER owe money
- No Obligation - You are never obligated to purchase or rent
Program Highlights
- ✓No interest (Riba) - 100% Sharia-compliant
- ✓Transparent pricing and terms
- ✓Flexible partnership arrangements
- ✓Professional guidance throughout