A home of your own, without the debt
Halal home finance. No interest, ever.
Save with a community that shares your values, grow what you put in, then buy your home. No interest, no debt and no compromise on your faith.
At Pfida, our community builds itself up, rather than relying on banks, empowering you to buy a home without compromising your faith.
Click here to download your FREE Islamic Finance eBook.
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738
Three simple steps to home ownership
No jargon, no interest, no debt. Here’s the whole journey.
3. Buy your home
Once you’ve earned your points, you’re ready to ask the community to help you.
No interest. No debt. Pay off your home whenever you like, and at a pace that suits you.
Start your homebuying journey while you’re saving your downpayment.
SaveTogether is the fairer way in. You’re not idling until you become eligible – you save alongside a community, grow what you put in, and move towards ownership from the very first month.
Why wait?
You don’t have to. The moment you start saving, your money is already working – ethically invested and growing, not sitting idle while a lender profits from interest.
How is SaveTogether different?
The idea is simple: you support your community and in return your community supports you, without the need for banks or financial institutions. Just pure community uplifting.
What makes it worth it?
By working together as a community, we can drive down the costs of buying a home while enjoying the peace of mind that we are doing it the right way.
Why wait?
You don’t have to. The moment you start saving, your money is already working – ethically invested and growing, not sitting idle while a lender profits from interest.
How is SaveTogether different?
The idea is simple: you support your community and in return your community supports you, without the need for banks or financial institutions. Just pure community uplifting.
What makes it worth it?
By working together as a community, we can drive down the costs of buying a home while enjoying the peace of mind that we are doing it the right way.
Why people choose Pfida
Not just how it works – why it’s better.
- Community based – This is a community building itself up, rather than relying on banks.
- Scholarly consensus – The only product all scholars agree is shariah-compliant.
- No interest – Not a penny of interest, and no debt hanging over you.
- Shared success – We buy real property and assets alongside you. Genuine risk-sharing, by design.
- Driving down costs – Our community works together to drive down the costs of homebuying.
For the people.
Your money. Your control.
The questions everyone has.
Pfida isn’t a bank and we’re not lending you money like a bank would. This is a community operation – we pool together funds from the community to fund your homes and in order to be eligible to get your finance, you have to first do your bit to support the community.
No interest, no debt, and no lender profiting from you. Instead of borrowing, you co-own and share risk -so you own more of your home over time, on ethical, transparent terms.
Your rent is based on several factors, including the size and location of the property, our cost of capital, business costs and strategy, as well as the local rental market and how active it is. We also scale your rent down based on the share of the property you already own.
You’ll be rewarded with a rental discount in any month you purchase additional equity — we allocate the amount you save on rent towards your equity, so your total monthly payment stays the same.
That’s not all
Rental discounts
Get rewarded with more equity by meeting your chosen monthly target.
Equity buffer
Trade your equity to cover your rent if you’re facing financial difficulty.
Flexible monthly payments
Change your monthly payments, whether it be your equity amount or opting to pay rent only.
What’s new?
Can you buy a home without debt?
This is a guest post by Muhammad Lambat (@musliminvesting). Muhammad is a digital creator sharing lots of great knowledge and tips on halal investing. View his bio at the bottom of the post. For most people, the pathway to homeownership …
4 min read
