Comparaison des Hypotheques Islamiques
Comparez les methodes de financement immobilier halal cote a cote. Calculez les paiements pour Murabaha, Ijara, Musharaka et les hypotheques conventionnelles.
20.0% du prix de la propriete
| Methode | Paiement Mensuel | Cout Total | Profit / Interet Total | Taux Effectif Annuel |
|---|---|---|---|---|
Murabaha Financement a Cout Majore | $2,622.22 | $1,024,000.00 | $624,000.00 | 9.21% |
Ijara Location-Acquisition | $2,022.62 | $808,142.36 | $408,142.36 | 6.50% |
Musharaka MutanaqisaCout le Plus Bas Partenariat Degressif | $1,757.96 | $712,866.67 | $312,866.67 | 5.20% |
ConventionnelHaram Hypotheque Standard (Haram) | $2,022.62 | $808,142.36 | $408,142.36 | 6.50% |
Financement a Cout Majore
Paiement Mensuel
$2,622.22
Cout Total
$1,024,000.00
Profit / Interet Total
$624,000.00
Taux Effectif Annuel
9.21%
Location-Acquisition
Paiement Mensuel
$2,022.62
Cout Total
$808,142.36
Profit / Interet Total
$408,142.36
Taux Effectif Annuel
6.50%
Partenariat Degressif
Paiement Mensuel
$1,757.96
Cout Total
$712,866.67
Profit / Interet Total
$312,866.67
Taux Effectif Annuel
5.20%
Hypotheque Standard (Haram)
Paiement Mensuel
$2,022.62
Cout Total
$808,142.36
Profit / Interet Total
$408,142.36
Taux Effectif Annuel
6.50%
America's largest Islamic home financing provider. Uses Declining Balance Co-ownership (Diminishing Musharaka). Available in most US states.
University Islamic Financial Corporation offers Ijara and Murabaha home financing across the United States. Supervised by a Shariah advisory board.
Chicago-based bank offering Islamic home financing through Murabaha (installment sale) and Ijara (lease-to-own) programs nationwide.
Shariah-compliant home financing cooperative using a co-ownership model. Community-focused Islamic housing solutions in the United States.
Les hypotheques conventionnelles impliquent le riba (interet), strictement interdit en Islam. Le Coran est clair:
"Ceux qui mangent de l'interet ne se tiendront [au Jour du Jugement] que comme se tient celui que le toucher de Satan a bouleverse." (Coran 2:275)
"O les croyants! Craignez Allah et renoncez au reliquat de l'interet, si vous etes croyants." (Coran 2:278)
Les alternatives de financement islamique atteignent le meme objectif -- l'accession a la propriete -- sans l'element d'interet.
Avertissement Important
Ce calculateur fournit des estimations a titre educatif uniquement. Les termes, taux et couts reels varient. Consultez toujours un conseiller en finance islamique qualifie.