Everything you need to know about Shariah housing
Shari label is often used to describe a product or service that complies with Islamic law. Now, there are also Shariah homes and Shariah-based properties that are ideal for Muslims. Of course, everything that conveys this concept, including Islamic housing, must be essential.
However, the existence of Shariah homes is often abused by irresponsible parties to gain more benefit and harm home enthusiasts.Look inside and outside the naked Shariah home to avoid fraudKania, Let's!
Understand Islamic housing correctly
Everyone deserves a dream home. From this principle, Islamic homes are here to provide convenience and justice, including those who do not have access to buy real estate or new homes from public channels such as credit and banking institutions.
The Shariah housing payment scheme then becomes halal in response to the demands of a growing Muslim lifestyle. This Shariah home has lived according to the Islamic Shariah, so homeowners are expected to live with peace of mind and blessings.
So what about non-Muslims, can they also own Shariah homes? As a country of ethnic, religious and cultural diversity, Muslim housing can be a property option for non-Muslims as well. Anyone can participate in Shariah housing as long as they can practice the principles of neighbor life in harmony and mutual respect.
Features of a safe Shariah home
After learning the basics of Islamic housing, it is time to understand its characteristics. Islamic housing has its own characteristics because it retains the principles of Islamic Shariah. What are some of them? See below!
Liver-free Sharia housing and fixed installments
As is well known, interest and fines are included in the usury law banned in Islamic Shariah. Riva is the addition of many special assets. JWhen applied to Islamic homes, this usury burdens future homeowners in the form of additional money such as interest and fines. Therefore, Islamic homes are non-usury homes.
Now, in general, the profit margin is set first or it follows the selling price, so the installment payment for automatic Islamic housing is also fixed. Therefore, after paying back the DP, the remaining shortfall can be negotiated with a certain margin and evenly divided over the desired installment period.
Bank not included
Islamic home sales contracts do not use intermediaries such as banks or credit institutions. Therefore, Islamic housing does not go through a credit evaluation process such as BI check and management fee.
Home buyers can work with sellers, either in credit or cash Developer. In this case, the developer must already have a courier target according to the agreed agreement.
Sharia housing does not require insurance
Traditional homes typically involve insurers in home installment schemes. However, for Islamic homes, insurance is usually not specified as it is considered less clear and is not always compliant with Islamic Shariah. Unless both parties can find a suitable Sharia insurance concept. Therefore, Islamic homes usually do not require property insurance during the current installment payments.
There is no concept of seizures
Islamic housing not only exempts fines and interest in the event of delinquency, but also does not confiscate bad funds. In this case, buyers who cannot afford to pay for urgent reasons can talk directly to the developer and find the best solution. Generally, the non-performing loan ratio of Islamic housing is not high because it adheres to the principle of mutual trust.
Sharia Housing Fraud Avoidance
Shariah, but there can always be irresponsible people in Islamic dwellings. Well, Kania has some tips, so don't be fooled when buying a home in Shariah homes!
- Check developer reliability
Make sure the Islamic home developer is registered with the Developer Registration System (SIRENG) Selected by the Directors Guild of Directors. Also, check the Sharia Property Developer Community to make sure you have full permissions.
- Check the home construction process
Developer Islamic homes use a pivot system that removes the down payment and builds the home. However, buyers can monitor through the Housing Auxiliary KPR Information System (SiKasep) application developed by the Mortgage Fund Management Center (PPDPP).
- Avoid trading before you can be confident
According to the findings, if you are still uncertain about the legality, reputation and verification results of Islamic housing in the field, avoid paying in any way.
- Use alternative payment options from the government
Currently, there are several banks that make payments for Shariah housing in accordance with facility services regulated by the government through more than 15 options of the Indonesian government's Shariah Bank. Therefore, the process of buying a home in an Islamic home is safer.
How did you get a good understanding of Islamic housing? Before you buy, don't be fooled, don't forget to check and do the above. Don't forget to share this article with family and friends to understand the inside and outside of Islamic dwellings!
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Source : http://i0.wp.com/www.dekoruma.com/artikel/116369/mengenal-perumahan-syariah
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