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123 articles
Halal Banking for Over-60s in South Africa (2026): Free Accounts and Monthly Income, Done Right
Al Baraka gives over-60s free banking and pairs it with a monthly Mudaraba income that paid 5.396% in June 2026. The windows counter with reach and premium service. How a retiree builds a fully riba-free cash-flow system.
Halal Home Financing in South Africa (2026): Two Banks, No Non-Banks, and the Honest State of Play
Out of five Islamic banking institutions in South Africa, exactly two will finance your house: Al Baraka and FNB. What each offers, what it costs to enter, why nobody else competes, and the tax break that makes it all work.
Al Baraka Home Finance Review (2026): Purchase, Equity Release and the Only Bond-Switch in Town
Al Baraka finances homes to 90% over 30 years, releases equity from paid-up property, and runs the only product that moves an existing conventional bond onto a halal structure. Terms, costs and caveats, verified August 2026.
FNB Islamic Property Finance Review (2026): Co-Ownership With Big-Bank Muscle
FNB finances homes through genuine Diminishing Musharaka co-ownership: up to 30 years, up to 100% on qualifying deals, priced off a published 10.50% Islamic benchmark. What the annual review really means, verified August 2026.
Al Baraka vs FNB Islamic Home Finance (2026): The Only Head-to-Head That Exists
South Africa's entire Islamic home finance market is two products. One finances up to 100% nationwide off a published benchmark; the other offers switching, equity release and no early settlement penalties. The full ledger.
Diminishing Musharakah, Explained With South African Numbers (2026)
The structure behind every Islamic home finance deal in South Africa: how co-ownership buyouts actually work, what the 12-month rate reviews mean, why the tax works out, and the questions to ask before signing.
Islamic Home Finance in South Africa: What It Costs and Who Qualifies (2026)
Deposits from 0 to 10%, initiation fees to R7,257.50, a R69 monthly service fee at one bank and none at the other, and NCA affordability rules that work exactly like a bond's. The full cost and eligibility picture.
Switching Your Bond to Islamic Finance in South Africa (2026): The Exit, Priced
One bank in South Africa will move your existing conventional bond onto a halal structure: Al Baraka, up to 90% of property value over 20 years, with no early settlement penalties on its side. The full arithmetic of getting out.
Why You Cannot Get an Islamic Home Loan From Absa, Standard Bank or Any Non-Bank (2026)
Absa runs SA's biggest Islamic savings shelf and finances no homes. Standard Bank exited. SA Home Loans has nothing. The structural reasons the market is two banks deep, and what would have to change.