Diminishing Musharakah Calculator
Enter the house price, your share and the bank share — every month the bank share keeps going down, and rent is charged only on the remaining bank share. This is the basic structure of diminishing musharakah.
Bank share (start)
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Monthly unit purchase
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First monthly payment
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Last monthly payment
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Total rent over tenure
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Total paid to bank
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Your upfront share
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Months
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| Year | Bank share at year start | Rent that year | Units bought that year |
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How to use
- Enter the property price and your share (percent).
- Enter the tenure and the annual rent rate on the bank share — this rate changes with the bank and the plan.
- See the first and last monthly payment, total rent and the year-by-year schedule.
Note: This is a worksheet model: the real Islamic bank rent rate, takaful, processing fees and early purchase rules may be different. Rates change — verify with the official source before relying on this. Before signing any contract, be sure to check the bank schedule and the mufti-approved structure.
Tips
- The rent rate changes with the bank and the plan — confirm the real rate before deciding.
- Takaful, processing fees and early-buyout rules are not included here.
- This is a worksheet estimate, not a bank offer.