Riba-free home financing
Own your home.Keep your principles.
Faith-aligned home financing built on shared ownership — no interest, ever. Co-own your home with Amana and buy back our share over time.
Financing is structured as a Musharaka co-ownership. Reviewed by our Sharia board. Synthetic demo data shown; not an offer of credit.
How can a mortgage have no interest?
Check out what Amana offers:
Home co-ownership
Buy a home together, own it fully over time.
Switch to halal
Move an existing mortgage to a Riba-free structure.
Vehicle financing
Ethical, interest-free financing for a car.
Business assets
Equipment and property for your business.
0%
Interest — ever
100%
Scholar-reviewed files
50
States, one process
17
Governed review stages
Why Amana
Risk shared, not sold
Every application follows the same faith-aligned foundations — so what you sign is fair, transparent, and built to last.
Riba-free
No interest is ever computed or stored. Not now, not later.
Asset-backed
Every agreement ties to a real, identified property you co-own.
Scholar-backed
A Sharia review gate must clear before any file can proceed.
Mutual & fair
Co-ownership and shared outcomes, allocated by capital ratio.
How co-ownership works
You and Amana buy the home together
You contribute what you can up front; Amana funds the rest. You occupy the home, and each month you buy back a little more of Amana's share — until you own 100%. No interest, just a shrinking ownership balance.
You own
20%
$100,000 up front
Amana owns
80%
bought back over time
- Yr 1: 20% owned
- Yr 5: 45% owned
- Yr 10: 68% owned
- Yr 20: 88% owned
- Owned: 100% owned
Resources
Learn before you commit
Guide
What is Musharaka, really?
A plain-English look at diminishing co-ownership.
Compare
Halal vs. conventional
How our structure differs from an interest mortgage.
Walkthrough
Your journey, step by step
From application to keys — what to expect.
About Amana
Finance that answers to your faith
Amana exists so that owning a home never means compromising your values. We built a fully governed origination platform — borrower portal and staff console in one language — around a single promise: risk is shared, never sold.