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Designing a Shariah compliant product package

机译：设计符合伊斯兰教法的产品包装

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The University Islamic Financial product lineup today includes the following:rn► MORTGAGE ALTERNATIVES. The bank offers two alternative forms of mortgage-type arrangements. One is a murabaha, a marked-up instalment sale of the underlying home, the other an ijara, a redeemable tease, or, a lease followed by an acquisition (in full, ijara wa iqtina).rnIn the murabaha, the bank buys the home and resells it to the Islamic customer at a marked-up price, to be paid in instalments. This transaction includes what would typically be a down payment, but which is characterized as the homebuyer''s initial investment. Title is given to the homebuyer, however, at closing. These arrangements are structured such that they are not technically sold, but being offered in partnership with Freddie Mac, under a $1 million master commitment executed in early 2006. This product is used for what would be termed fixed-rate mortgages in conventional financing.rnIn the ijara arrangement, an independent trust, owned by the bank, acquires the home and leases it to the resident. Monthly payments represent rent plus a further payment on-account to the down payment made up front. The payments represent increasing beneficial rights. The ijara loans are used for what would be called adjustable-rate loans in conventional financing, and are held in portfolio.
机译：如今，大学伊斯兰金融产品阵容包括：抵押贷款替代品。银行提供两种替代形式的抵押类型的安排。一种是murabaha，标的房屋的分期付款出售，另一种是ijara，可赎回的挑逗，或者是先是租赁然后是收购（全称ijara wa iqtina）。rn在murabaha中，银行购买了并以加价价格将其转售给伊斯兰客户，并分期付款。该交易包括通常为预付款的款项，但其特征是购房者的初始投资。标题是给购房者的，但是在交易结束时。这些安排的结构使得它们不是在技术上出售的，而是与房地美（Freddie Mac）合作提供的，根据2006年初执行的100万美元总承诺。该产品用于常规融资中的固定利率抵押。 ijara安排是由银行拥有的独立信托，可以购买房屋并将其出租给居民。每月付款表示租金，再加上帐户内预付款的预付款。付款代表增加的受益权。 ijara贷款用于常规融资中所谓的浮动利率贷款，并以投资组合形式持有。

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