Cimahi Sharia Housing
SariUnderstanding the Concept of Sharia Housing as Residential or Riba-Free Investment
Sharia houses and sharia housing are one type of sharia property that is on the rise at this time. Many Indonesians, who are mostly Muslim, want to have sharia housing like this sharia housing. some people are still confused about what is actually meant by the concept of sharia?
Because there are some residents who think that sharia housing is a type of housing that has a mosque, a place for the Koran, and there are special places to learn to deepen the religion of Islam. Although there is indeed such a type of Islamic housing. However, the broader concept of sharia housing does not override such things.
Now, to really know what is meant by sharia housing, let's follow the discussion about the concept of sharia housing both as housing and a business that is free of usury. Do not let you misunderstand developers who are only under the guise of sharia. one of the recommendations for housing in Cimahi that uses the concept of sharia.
What is Sharia Housing?
some people may still be confused about what is meant by sharia housing. Although in fact there are some people who have been known, sometimes there are still some people who think that if not or even sharia property is used as a cover to increase in order to get big profits.
Well, for those of you who still don't really understand the real Islamic housing
We will advise you to pay for Islamic housing in advance.
Many people think that sharia housing is a type of housing in the form of sharia houses that are only aimed at Muslims. This is definitely not true, because anyone should not have it, especially in this sharia house. So it can be said that the development of sharia that has been created at this time not only creates a Muslim community but also for Muslims
non-Muslim communities who want to have a residence free of usury.
So, in general, sharia housing is something that is something whose transaction system is carried out in accordance with Islamic sharia. So, the buying and selling system in sharia housing is in accordance with Islamic sharia or people commonly referred to as Sharia mortgages. Well, this sharia mortgage is a home or residential ownership scheme using contracts that match the requirements of Islamic sharia. examples of home projects such as housing cimahi contained in this list.
So, if so, it can be said that Sharia mortgages are a residential concept in an environment that can only be made by Muslims in the form of housing, tahfidz schools, community recitations and others. However, this sharia housing is more about transaction steps and ownership contracts with a buying and selling system that is in accordance with Islamic law.
Typical Characteristics of Sharia Housing
Well, so that you understand better and understand more about sharia housing. In the following, we will explain about the typical occurrences of Islamic housing that distinguish it from conventional housing.
Sale and Purchase Agreement
Judging from the contract of buying and selling sharia housing, it is tried with a transaction system that is compatible with Islamic law. So in this case consumers can directly buy a house from the developer or without a third party such as a bank to act as an intermediary to avoid usury.
On the other hand, this is certainly different from the conventional housing transaction system, which generally links a third party to a conventional bank as the intermediary. So, it can be concluded that the distinctive characteristic of sharia housing is a transaction system that participates in property ownership or sharia housing is purely a buying and selling business transaction, both on credit and cash.
Business Scheme that is Suitable for Islamic Shari'a
Islamic housing raised by sharia developers practices a business scheme that is by Islamic law, namely using the isthisna' buying and selling transaction scheme, which is a wake-up message scheme. So, generally, sharia housing developers want to build sharia residential homes when there are consumers who want to have housing in sharia housing.
As consumers, we must place orders in advance and carry out payment transaction procedures according to Islamic law, either in the form of credit or cash. After that, the new developer will carry out development. In this development, the developer does not link a third party to provide capital, the capital to build a house is obtained from his capital or a down payment from consumers.
This ishtishna trading business scheme is allowed in Islamic law, this is uniform with the murabahah, salaam, and other business schemes. The evidence for the permissibility of this matter and it is lawful to try this method is that this method was practiced by the Prophet Muhammad himself, who at that time ordered a friend to make a pulpit and a ring in isthisna'.
Islamic Housing Builders with Indent Behavior
The distinctive characteristics of sharia housing, which furthermore is the construction of sharia residential houses, are tried indented. So when a consumer wants to buy a residential house in Islamic housing, a new house will be formed. So the house is not finished immediately, although it is not as practical as conventional housing, this method certainly has certain advantages, namely the availability of facilities for consumers who can customize the design of the house they want to order.
Although not all sharia developers practice this istishna buying and selling system. There are several sharia housing developers with a ready stock housing system. Usually, they want to use the capital turnover that continues to be used to build Islamic housing.
As a consumer, you can choose whether you want to buy with a credit or cash system. If tested on credit, then the developer will usually display Islamic housing prices that are always consistent and the value will not change.
Applied Sharia Housing System Scheme
When viewed from the distinctive characteristics possessed by housing that uses a system according to Islamic law above. So that it can be seen that some of the schemes in sharia housing implemented by sharia property developers are as follows.
Pure Cash or Credit Sale and Purchase Transactions
Initially, the sharia housing scheme could be explained through the purchase transaction process for home ownership. This transaction is directly handled by the developer or developer of Islamic housing. So, one thing that becomes a significant point in the Islamic housing system that is implemented in this case is without the intervention of third parties, especially conventional banks to avoid bank interest usury.
In other words, transactions that occur between consumers as buyers and developers as pure sellers are buying and selling transactions either in cash or on credit. This is the difference between conventional housing and Islamic housing. Not only that, in the process of buying and selling Islamic housing, consumers also do not want to be charged administrative fees by the developer.
The selling price is always and does not change since the beginning of the contract
When the consumer decides to own a sharia house on credit, the selling price that has been inaugurated at the beginning of the contract and agreed upon by both parties will not change during the term of the installment. Generally, the sharia housing developer will clearly state the various repayment terms, it can be 5 years, 10 years, or even 15 years. So, all provisions or matters contained in the agreement are informed from the beginning of the contract.
Installment of a Permanent House
The scheme of the sharia house buying and selling transaction system, which in turn is the installments that are always in character from the beginning to the end of the contract. Especially when the interest rates announced by BI change and economic conditions fluctuate, the number of installments that must be paid by consumers is always in value and does not change.
In this case, the developer wants to share all the conveniences and share the best policies for both parties, without harming both parties by imposing fines or penalties if there are things that do not match the agreement.
So, at this time the sharia property system appears as an option for you, who want to buy and own a sharia residential house in a comfortable, healthy, and very meaningful way, in accordance with Islamic regulations. This is in accordance with the sharia concept that is carried out which is "free" usury bank interest, without confiscation and fines as well as problematic contracts.
Sharia Housing Concept
When viewed from some of the descriptions of Islamic housing that have been described above, in fact, the concept carried out by Islamic housing usually consists of 5 points, namely without banks, without interest, without confiscation, without fines, and without problematic contracts, because Islamic housing appears to prioritize the benefit. together. For more details, the following discussion overrides the concept of sharia housing.
No Flowers
Transaction
What is done by Islamic housing developers as sellers and consumers as buyers are interest-free because the installments are flat every month. So there is no accumulation or reduction caused by the formation of changes in economic conditions or interest rate policies. In detail, the offer overrides the price of cash and credit, the nominal value has also been informed at the beginning of the sale and purchase agreement by the developer. At the agreed and inaugurated prices, the developer has increased the profit margins at the official prices.
Also check the list of other sharia housing such as Dago Housing Bandung
No Bank
Not only without interest, buying and selling Islamic housing transactions are also tried without going through conventional banks as third parties. This matter is in accordance with the sharia system that is suitable for Islam that is being carried. So, the sale and purchase contract for Islamic housing is only tried by both parties, namely the consumer as the buyer and the developer as the seller. Not only that, the purchase of sharia housing also has the advantage of being easy in transactions or credit approvals because it does not involve BI checking.
No Ends
Sharia mortgages, Unlike conventional mortgages that practice a fine system when home buyers on credit are late in paying installments. When something like this happens, the developer will only give the debtor a warning message as a reminder of the commitment to pay the debt or make a payment rescheduling if you can't keep the installments at a certain time.
Without confiscation
Another concept of sharia housing is without foreclosure, so even if you are in the middle of the road you are unable to pay off the installments, and on the other hand, you have lived in the house for a long time, this will not be a problem. In general, developers want to find a way out of this problem through the method of deliberation.
Usually, in this case, the developer will urge you to sell the house or be helped to sell it, after it is sold and gets the proceeds so that some will be used for
Pay the remaining debt to the developer and the rest will be given to you to cover yourself. Applied Sharia Housing System Scheme
When viewed from the distinctive characteristics possessed by housing that uses a system according to Islamic law above. So that it can be seen that some of the schemes in sharia housing implemented by sharia property developers are as follows.
Pure Cash or Credit Sale and Purchase Transactions
Initially, the sharia housing scheme could be explained through the purchase transaction process for home ownership. This transaction is directly handled by the developer or developer of Islamic housing. So, one thing that becomes a significant point in the Islamic housing system that is implemented in this case is without the intervention of third parties, especially conventional banks to avoid bank interest usury.
In other words, transactions that occur between consumers as buyers and developers as pure sellers are buying and selling transactions either in cash or on credit. This is the difference between conventional housing and Islamic housing. Not only that, in the process of buying and selling Islamic housing, consumers also do not want to be charged administrative fees by the developer.
The selling price is always and does not change since the beginning of the contract
When the consumer decides to own a sharia house on credit, the selling price that has been inaugurated at the beginning of the contract and agreed upon by both parties will not change during the term of the installment. Generally, the sharia housing developer will clearly state the various repayment terms, it can be 5 years, 10 years, or even 15 years. So, all provisions or matters contained in the agreement are informed from the beginning of the contract.
Installment of a Permanent House
The scheme of the sharia house buying and selling transaction system, which in turn is the installments that are always in character from the beginning to the end of the contract. Especially when the interest rates announced by BI change and economic conditions fluctuate, the number of installments that must be paid by consumers is always in value and does not change.
In this case, the developer wants to share all the conveniences and share the best policies for both parties, without harming both parties by imposing fines or penalties if there are things that do not match the agreement.
So, at this time the sharia property system appears as an option for you, who want to buy and own a sharia residential house in a comfortable, healthy, and very meaningful way, in accordance with Islamic regulations. This is in accordance with the sharia concept that is carried out which is "free" usury bank interest, without confiscation and fines as well as problematic contracts.
Sharia Housing Concept
When viewed from some of the descriptions of Islamic housing that have been described above, in fact, the concept carried out by Islamic housing usually consists of 5 points, namely without banks, without interest, without confiscation, without fines, and without problematic contracts, because Islamic housing appears to prioritize the benefit. together. For more details, the following discussion overrides the concept of sharia housing.
No Flowers
Transaction
What is done by Islamic housing developers as sellers and consumers as buyers are interest-free because the installments are flat every month. So there is no accumulation or reduction caused by the formation of changes in economic conditions or interest rate policies. In detail, the offer overrides the price of cash and credit, the nominal value has also been informed at the beginning of the sale and purchase agreement by the developer. At the agreed and inaugurated prices, the developer has increased the profit margins at the official prices.
Also check the list of other sharia housing such as Dago Housing Bandung
No Bank
Not only without interest, buying and selling Islamic housing transactions are also tried without going through conventional banks as third parties. This matter is in accordance with the sharia system that is suitable for Islam that is being carried. So, the sale and purchase contract for Islamic housing is only tried by both parties, namely the consumer as the buyer and the developer as the seller. Not only that, the purchase of sharia housing also has the advantage of being easy in transactions or credit approvals because it does not involve BI checking.
No Ends
Sharia mortgages, Unlike conventional mortgages that practice a fine system when home buyers on credit are late in paying installments. When something like this happens, the developer will only give the debtor a warning message as a reminder of the commitment to pay the debt or make a payment rescheduling if you can't keep the installments at a certain time.
Without confiscation
Another concept of sharia housing is without foreclosure, so even if you are in the middle of the road you are unable to pay off the installments, and on the other hand, you have lived in the house for a long time, this will not be a problem. In general, developers want to find a way out of this problem through the method of deliberation.
Usually, in this case, the developer will urge you to sell the house or be helped to sell it, after it is sold and gets the proceeds so that some will be used for
List for sale Cimahi house click here
No Troubled Contracts
So, after you recognize some of the concepts of Islamic housing that have been described above, it can be concluded that the last concept of Islamic housing is without a problematic contract because the contract between the buyer and the developer is an istishna (indent) sale and purchase contract if the housing unit does not yet exist. You can also buy using a credit sale and purchase agreement if the housing unit already exists without having to be subject to fines, confiscation, and other things that are detrimental.
The Difference between Sharia Property and Conventional Property
From the description described above, it can be concluded that the housing comparison
Sharia as well as conventional housing universally lies in the following points.
Transaction Party
Sharia Housing: There are 2 parties who transact, namely between consumers as buyers and sharia housing developers as sellers
Conventional Housing: Consists of 3 parties who carry out transactions, namely between sharia home buyers, sharia housing developers, and banks as third parties.
Guarantee Item
Sharia Housing: Sharia housing developers do not stipulate that residential homes traded/credit are not collateral.
Conventional Housing: Conventional housing generally wants to share the policy of buying and selling houses/credit as collateral
Fine System
Sharia Housing: In the transaction system, sharia housing does not use fines.
Conventional Housing: Imposes a fine on any credit buyer who does not settle in regular installments.
Seizure System
Sharia Housing: Do not practice the confiscation system even though in the middle of the journey the buyer on credit is unable to pay off his credit, usually wants to provide a solution to overcome the problem.
Conventional Housing: Using this real foreclosure system is going to hurt one side.
Penalty System
Sharia Housing: Not applying a fine system is the same as a fine system.
Conventional Housing: Generally wants to penalize buyers who do not comply with pre-established conventions.
Insurance System
Sharia Housing: Generally, sharia housing developers do not include insurance in it, but this can change according to the agreement of both parties.
Conventional Housing: Use insurance for purchased housing.
So it can be concluded that universally the comparison between Islamic housing and conventional housing lies in the penalty system, confiscation system, interest system, insurance system, and the applicable penalty system. This is because Islamic housing does not use third parties, namely banks, in its transactions. So that there is nothing that binds and harms both parties who transact.
Currently, there are many sharia housing developers that you can visit as sharia property service providers in various regions. You just come, then choose the model of the house according to your wishes, and if you intend to buy it in cash or credit you can carry out the contract and contract and end it. A house in sharia housing is ready to be a place for you to manage your future with your small family and relatives.
In this way, the data overrides Islamic housing as a lucrative usury-free residence and business and great profits both in this world and in the hereafter. One thing you need to remember, you will not only get profit in this world but also gain and reward in the hereafter. So what are you waiting for, fulfill your dream of owning a house that is in accordance with Islamic law right now? Hopefully this post about Islamic Housing is useful, thank you.