“特鲁多将推出 "清真抵押贷款“ 穆斯林无需为房屋抵押贷款支付任何利息”

[茶马盐铁]

https://x.com/truckdriverpleb/status/1780638970243612995

 

[茶马盐铁]

 

[茶马盐铁]

Federal government to begin exploring 'halal mortgages'

The federal government says it plans to explore new measures to expand access to "alternative financing products, like halal mortgages.”

kitchener.citynews.ca

 

[ottawa_tj]

主题 '想省房贷吗，赶快加入木木吧，别等窗口期过了，早点跟大猪肘说白白' https://bbs.comefromchina.com/threads/1861962/

 

[Teddy]

这个傻逼要折腾到啥时候是个头…

明年十月

 

[ztbll]

土豆子能给个准信不，到底要不要和大肘子断舍离啊。

 

[Jay Wang]

真的假的？难道可以不付利率？

 

[ottawa_tj]

真的假的？难道可以不付利率？

必须得有四个老婆才行。

 

[dx2004]

强烈反对双重标准。

 

[说不得的微博]

这类贷款是三年疫情期间增长最快的贷款。我去年因为利率快速上涨想找更低的利率发现这一个贷款品种，好像都是穆穆们的私贷，按教义是不收利息。我猜是不是政府介入可以顺便剪一轮羊毛。

 

[zeus190]

What are halal mortgages?​

Sharia-compliant mortgages include payment structures that take interest out of the equation. There are three common types of halal mortgages: ijara, Musharaka and Murabaha.

Ijara is a rent-to-own model in which a bank buys the asset and leases it back to the customer over a set period. The payments go toward the capital and provide a profit for the financial institution.

Musharaka, a form of partnership with the financier, involves both parties owning the property until the equity is gradually transferred and the partnership dissolves.

Murabaha is a credit system in which the ownership is immediately sold to the customer, with profits included in the final offer. The buyer’s credit history, deposit and terms of the agreement are factored in.

Because these structures are considered more risky, they are often more expensive than a traditional interest loan. Canada’s big banks do not currently provide halal mortgages, which the Liberal government hopes to change. According to The Canadian Press, lack of halal financial options has left many Muslims waiting for smaller firms to allow them to make investments and buy homes.

不要想当然，这种贷款其实比传统的贷款payment要高。就如各种零利率分期支付一样，人家可以先收一笔“手续费”。

 

[月下独酌]

真的假的？难道可以不付利率？

我已经问过我同事了

比如你买1m$的房子，halal 贷款的公司把房子买下来会按1m+贷款利率收益，比如1.5m$卖给你
所以你不“支付利率”，但是你付了”手续费“
这个钱还是embedded in sales price, 你更亏

不懂规矩的人想当键盘侠而已

 

[ztbll]

我已经问过我同事了

比如你买1m$的房子，halal 贷款的公司把房子买下来会按1m+贷款利率收益，比如1.5m$卖给你
所以你不“支付利率”，但是你付了”手续费“
这个钱还是embedded in sales price, 你更亏

不懂规矩的人想当键盘侠而已

这不扯蛋吗，人家直接找银行贷款不就得了。什么都是有代价的，这个更象是用自由，信仰换取贷款。疫情初期流传一种观点，土豆子想用国家的钱买下付不起贷款人的房子，这样房主就不会被赶到马路上，但房主以后也会失去很多个人权利，不能有个人存款，实现一无所有，但很幸福的目标。

 

[Jay Wang]

我已经问过我同事了

比如你买1m$的房子，halal 贷款的公司把房子买下来会按1m+贷款利率收益，比如1.5m$卖给你
所以你不“支付利率”，但是你付了”手续费“
这个钱还是embedded in sales price, 你更亏

不懂规矩的人想当键盘侠而已

赞实地考察。
就是啊，天下哪有免费的午餐。

 

[轻风柳絮]

我开店，整天听穆斯林问我鸡腿是不是halal的，鸡翅是不是halal的，连印度的somasa是不是halal的，不吃猪肉的人这么多。没想到贷款也可以是halal的。