Islamic financing beside a normal loan

Diminishing musharakah against an ordinary bank loan — the same house, two ways.

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Property price (Rs)Your own share (%)Islamic bank's rent rate, yearly (%)Ordinary bank's markup, yearly (%)Loan length (years)

The bank's share—

Islamic — every month—

Ordinary — every month—

Islamic — paid in all—

Ordinary — paid in all—

The arithmetic is the same shape in both; what differs is the contract. Whether a particular product is acceptable is a question for a scholar, not a calculator.