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Welcome to Our Blog, your trusted source for the latest insights on Islamic Finance and Investments. Here, we delve into topics that matter to you, providing clarity and guidance on Sharia compliant halal finance solutions and investments.
Our Blog is regularly updated with articles and news that provide insights into Islamic Finance, Investments and more. Stay informed and make educated halal finance decisions.
TL/DR: Reading Time: 4 minutesUse your SDA funding from NDIS to own your own SDA home.
Accessing home ownership through an SDA home loan is a game changer for NDIS + SDA participants. As a result, Crestmount Money, provides tailored Specialist Disability Accommodation (SDA) home loan solutions for eligible Australians with disability support needs.
TL/DR: Reading Time: 3 minutesOwner Builder Loans: Navigating the Challenges
Owner builder loans are not broadly supported by most Australian lenders. While regular construction finance involves its own hurdles, loans for owner builders are even more complex and subject to stricter scrutiny.
TL/DR: Reading Time: 4 minutesConstruction Finance for Building Your Dream Home
If you’re planning on building your new home, understanding how construction finance in Australia works is essential. Crestmount Money provides tailored halal construction finance solutions utilising an Ijarah finance structure that is sharia compliant, interest free, and aligned with your Islamic and financial values.
TL/DR: Reading Time: 4 minutesWhy Are Genuine Savings Policies So Rigorous?
When applying for an Islamic loan in Australia, especially those structured under Ijarah finance, lenders impose strict genuine savings requirements for any Islamic finance arrangement where the Loan-to-Value Ratio (LVR) exceeds 80%.
TL/DR: Reading Time: 3 minutesUsing Rent As Genuine Savings to Qualify for Home Finance.
Using rent as genuine savings is a valid pathway for many Australians, especially those seeking Islamic loans in Australia. Some specialist halal finance providers allow applicants to substitute traditional savings with a proven rental history.
TL/DR: Reading Time: 4 minutesWhat is Genuine Savings?
Genuine savings represent funds accumulated over time, demonstrating financial discipline to halal finance providers offering Islamic loans in Australia.
TL/DR: Reading Time: 4 minutesWhat is Lenders Mortgage Insurance (LMI)?
Lenders Mortgage Insurance (LMI) is a one-time premium that protects the lender, not the borrower, if you default on your Islamic loan. It typically applies when borrowing more than 80% of a property’s value and is common in both conventional and Islamic loans in Australia.
TL/DR: Reading Time: 4 minutes7 Red Flags to Spot Fraudulent Islamic Investments.
The increasing demand for Sharia compliant Islamic investments has regrettably led to the emergence of fraudulent Islamic financial products. To help you make informed decisions, understanding these 7 critical warning signs is essential.
TL/DR: Reading Time: 4 minutes5 Red Flags to Spot Fraudulent Islamic Finance Products.
The growing demand for Islamic finance in Australia has led to the rise of various products claiming to offer halal finance structures. However, not all of these offerings are truly Sharia compliant. To help you protect your wealth and uphold your values, here are five red flags to avoid when evaluating Islamic loans in Australia or other halal finance solutions.
TL/DR: Reading Time: 4 minutesUnderstanding Islamic Finance Principles and Islamic Loans in Australia.
This comprehensive guide explores the foundations of Islamic finance and how it provides a Sharia compliant Islamic loan alternatives to conventional banking, particularly for home ownership in Australia
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