Ijara Simulator (lease-to-own)

This tool simulates Ijara Muntahia Bittamlik financing (lease-to-own): the bank buys the asset and leases it to you at a fixed monthly rent over the term, then ownership is transferred to you at the end. Interest-free (no riba): the profit is fixed, set upfront and embedded in the rent, not on a reducing balance.

Enter the asset price, the first payment, the term and the margin rate (set by the bank). The result is indicative – a simulation, not an offer; the margin, fees and takaful are set in your contract.