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NETHERLANDS ISLAMIC MORTGAGE WITH NO RIBA (INTERESTS)

NETHERLANDS ISLAMIC MORTGAGE WITH NO RIBA (INTERESTS)

WHAT IS IN THE NETHERLANDS AN ISLAMIC HOME LOAN WITH NO INTEREST ?

In the Netherlands, Islamic mortgage with no Riba (interest) is a Shariah-compliant alternative to conventional home loans, designed for Muslims who wish to purchase property without engaging in interest-based financing.

In the Netherlands, Sharia compliant home loans ensure that Dutch Muslim families can buy homes while staying true to their faith, without compromising their financial needs or religious principles.

For Muslims in the Netherlands, a Riba-free mortgage is not just a financial product but also a matter of religious observance and peace of mind; it allows them to achieve homeownership in a way that respects their values, while benefiting from the security of a structured, transparent agreement.

Is an Islamic mortgage available in the Netherlands?

No, currently Islamic home loans are not available yet.

According to shariabanking.com, although some banks have explored the concept of halal mortgages, there are no Islamic mortgages currently available from Dutch banks.
(shariabanking.com))

Furthermore, an official analysis confirmed that no bank in the Netherlands offers Islamic loans or Sharia-compliant credit products today, and no Islamic financial institution has been licensed to do so yet.

How to be eligible for a sharia compliant home loan in the Netherlands (in case the first Islamic bank opens in the country) ?

To be eligible for a Sharia-compliant home loan in the Netherlands, you generally need to meet both standard financial conditions and Shariah compliance requirements:

  1. Financial Stability – You must show proof of a stable income (salary, business, or self-employment) and demonstrate that you can afford the monthly installments. A good credit record helps, as lenders assess repayment reliability even in Islamic finance.
  2. Residency & Legal Criteria – You should be a legal resident in the Netherlands, usually with valid identification and registration at a Dutch address. Some providers may also require a minimum age (e.g., 21) and maximum age at loan maturity.
  3. Down Payment & Documents – Like conventional mortgages, a deposit (typically 10–20% of the property value) is often required. You’ll need standard documents such as ID, salary slips or tax returns, and property details.
  4. Shariah Compliance – The financing must be tied to a real property purchase through halal structures (e.g., Murabaha or Ijara). The property cannot be used for haram purposes, and all costs, profit margins, and conditions must be transparent and agreed upfront.

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