(Islamic Ijara-Leaseback) RENTAL MODEL?

With the RENTAL MODEL, you can become a home owner at least 8-12 years early, you can get rid of interest.

With the BENEFICIARY FINANCING MODEL, your house title and all your other assets will be in Trust. You can save and change your wills, family sharing and financial plans in advance.

You can evaluate your assets outside the USA with our Programs.

You can also keep your children’s education loans and vehicle purchases safe.

All transactions are handled by lawyers according to US legal rules

QUESTION-3-  Life is short and we may face all kinds of health, family and economic problems. What is the alternative solution for these concerns?

What should you do to protect and evaluate your assets?

SOLUTION 3- One way to deal with this concern is to put your home in a living trust. Our Configuring Program is a legal transaction that places your assets into a trust for your benefit (you’re the trustee) while you’re alive and then transfers those assets, via your “successor trustee,” to beneficiaries after you die or become disabled.

The trust owns the property so there is no question about steering clear of interest-riba.

You can to protect and evaluate your assets; With the Confidence we will prepare for you with our Beneficial Financing Planning and Configuring Program; You can to manage and control spending and investments to protect beneficiaries from poor judgment and waste;

Why You Should Have a Trust;

To Protect Your Assets and Wills;

For to avoid court-supervised probate of trust assets and be private;

For to protect trust assets from the beneficiaries’ creditors;

For to protect premarital assets from division between divorcing spouses;

For to set aside funds to support the settlor when incapacitated;

For to manage unique assets that are not easily divisible, e.g. vacation homes, pets, recreational vehicles, mineral interests, timber and commercial real estate;

For to manage closely held business assets for planned business succession;

For to hold life insurance policies, pay premiums and collect the tax-free proceeds to care for beneficiaries, fund closely held stock redemptions or purchases, and provide liquidity to the estate;

For to provide a vehicle for charitable gifting that can reduce income taxes and benefit the settlor, his or her spouse and their children;

For to provide tools for Medicaid and means-tested benefit eligibility for the settlor, a surviving spouse and disabled children;

For to provide structured income to a surviving spouse that protects trust assets for descendants if the spouse remarries; and

For to reduce income taxes or shelter assets from estate and transfer taxes.

How is our Configuring Program different from a will?

Our Configuring is like a living trust; a will is a legal document that instructs how to distribute your possessions after your death. If you have a will when you pass away, your estate goes into “probate,” a legal process where the court supervises the distribution of your estate.

It appoints somebody (usually your executor) to collect information about your assets and liabilities, pay your bills, then distribute the remainder of the estate to your beneficiaries according to your wishes. Probate includes a lot of paperwork and can take up to a year.

However, for set up a living trust with our Configuring Program while you’re alive, our lawyer to will do the paperwork for ahead of time and avoid court supervision of the most valuable items you own after you’re gone.

Whatever you’ve placed in the supported of our Configuring Program can be distributed in a matter of weeks after your demise, not months.

And as a bonus, supported of our Configuring Program a living trust is private, whereas a will is a public document, so everyone knows what and how much you did (or didn’t) leave to your least favorite relatives.


QUESTION  4- How Islamic- Beneficial Financing Configuring with Living Trust Will Work?

SOLUTION 4- An Beneficial Financing Configuration Consulting sets up a Trust which becomes the owner of the real estate property in question.  The Trust then leases the property to the customer. The customer pays a portion of the purchase price every month as a rental payment. When the customer wishes to move out of the house, the Trust is obligated to sell the property to the customer under the terms of a promise to purchase; then the customer becomes the sole owner. However, while the customer is entitled to purchase the property, they are not obligated to do so. In compliance with Sharia law forbidding unequally shared risk (Gahrar or Gharar), the Trust is the sole owner and thus takes on 100% of the loss or gain, which it then passes along to the beneficiary, who is usually the customer.

This sharing of gain or loss is directly related to a Musharaka transaction. Our Leaseback Configuration Model can be used for a wide variety of items, but are most common with high-value items such as houses.

This model is legal under U.S. banking regulations and comply with the provisions of the Truth in Lending Act.

you can review for detail EXPLANATIONS – Global Finance Platform

How It Works:

The Trust purchases the property at the agreed-upon purchase price. The customer gives the down payment – which serves as an advance rent payment – to the Trust. The customer pays a percentage of the price every month as rent until they have paid off the purchase price (if they do not sell the property before then). Therefore the customer’s percentage of ownership increases each month.

Although conventional amortization schedules are used to calculate the amount of rent, the process is really a reverse mortgage. With a conventional mortgage the customer is paying off the amount owed until the mortgage is finished (the word “mort” in mortgage means “death”). With an Leaseback model, the customer is basically saving up to take over ownership; so with each payment, their share of ownership increases. When they have paid the entire amount, the customers can buy the property for $1.00. Behalf of beneficer the Trust collects the insurance and property taxes as part of the rent payments.

Interest or Rent?

The customer does not own the property; he or she is a renter. However, the customer has rights not granted to most renters. They can decorate, remodel, sublet, or conduct any other activity that does not have a negative impact on the property value. The customer also has all obligations for upkeep and maintenance – and can sell the property at any time.

you can review for detail BENEFICIAL FINANCING – Global Finance Platform

Sharia law forbids Riba , or interest; however, the money paid through leaseback is rent. In a traditional mortgage, the customer rents the money from the bank which they use to purchase the house. Interest is the price the customer pays for the privilege of renting the money.

However, with a leaseback model, the customer is paying rent on the property (which is considered trade or “bay”), not the money; therefore, the payments to the Trust are not considerer

There are some excellent reasons why you can use our Configuring Program and Financial Planning to own your own home

Here are just a few:

Our Configuring Program keeps you free from interest- riba. At the same time, you can enjoy all of the tax breaks allowed in the US.

The property taxes and some of the costs involved in the purchase fall under this category. You can also deduct any interest on the mortgage.

 Paying only rent is throwing your money away. You will never see any return on that investment. Our Configuring Program lets you build up ownership.

You’ll be able to put together a nest egg that you and your family can enjoy.

You own the home. That means you can live in it, sell it, or renovate it as you see fit.

You’re a Tenant and A Homeowner Too

If you look closely at the terms of the transaction, you will see that you are basically and technically a tenant. 

First and foremost is the fact that you sign the lease and are responsible for making rental payments over a certain period of time.

The trust owns the property so there is no question about steering clear of interest-riba.

When you want to sell or move, the trust sells the property to you under the terms of a legal document called the promise to purchase.

You can also deduct any interest on the mortgage.

In turn, the property is leased to the customer that bought it initially.

Think of it as a bucket filled with your money, property, and other assets. You’re free to do whatever you want with the contents of the bucket; such as sell stock or property.  But after you’re gone, whatever’s left in the bucket goes to your heirs.

you can review for detail CONFIGURING – Global Finance Platform


QUESTION  5- Do I Need Bank or Lender Permission to Transfer Mortgaged Real Estate by Deed with Configuring Program?

SOLUTION 5- Because most lenders do not actively seek to enforce due-on-sale clauses when the property has not been actually sold, many homeowners do not worry about getting lender permission when they deed the property to their trust or business or add or remove a family member.

As long as it is not concealed, transferring the property without lender permission is not illegal or immoral.

Processes of Configuring Program

Before we get started, there are a few items that you will need to collect:

Prior deed to the property.  We will need the prior deed to the property. If you are the current owner, this is the deed that transferred the property to you.

Names and addresses.  We will need the names and addresses of every person, business, or trust that is transferring the property. We will also need the names and addresses of every person, business, or trust that is receiving the property.

Gathering this information in advance will help streamline the living trust and deed creation process for Leasing and Configuring transactions.

As long as the former owner continues to occupy the home, the trust pays the mortgage. When the former owner dies, the trust’s beneficiaries can do as they wish with the home without having to go through probate.

QUESTION  6- Can foreigners buy a house/business with a mortgage from the USA with their finances and assets in their own country or in other countries?


There are many businessmen who already have come from expat foreign nationals to the US. Since they have been here less than two years, their credit lines are not enough.

However, their bank statements balance is high. They have real estates in their countries. So they have sufficient ability to pay and that can pay 30-50% as down payment.

Global Finance Platform& Gulf-USA Capital & Beneficial Financing & Configuring Group welcomes the opportunity to provide mortgage services to Foreign Nationals who want to purchase or refinance a home in the United States.

  • We can help qualified members globally secure a US mortgage, including E1-E2-EB-5 visa holders, foreign nationals, and those with little or no US credit history.
  • The borrower is not required to have a Green Card, SS# or VISA. No FICO required.
  • Assets do not need to be in a U.S account.
  • Loan amount: $300,000- $7,000,000 (higher by exception)
  • Fixed and adjustable rate loans are available
  • Cash out options and refinance available
  • Rest assured, we working closely with you every step of the way to get you the right loan for your needs and your budget.
  • Our eligible properties include single-two family residences and condominiums located in US markets served by our Group.

Also, Foreign investors can refinance their first purchase after they close escrow after 6-12 months with low rate. There are low rates this 2021 year.

Changing the terms of your loan can benefit you and maximize your monthly income. A lower monthly mortgage payment can help free-up money you can save, invest or use for other expenses. When rates are favorable, refinancing to a lower rate or longer-term mortgage can keep more money in your pocket every month.

Please note that there is our cooperated lenders and banks that finances up to $5M within 45 days with the least amount of documents. We evaluate each applicant case by case.

The process for commercial real estate investment is the same as residential investment.

After the Mortgage is approved, we convert this transaction to the Leasing model.

you can review for detail


QUESTION  7- Is there a structuring model for working capital or other cash needs?


Yes. Tawarruq is an arrangement whereby a person, in need of liquidity, purchases a commodity from a seller on credit at a higher price (to buy on credit and sell at spot value)

Lenders and Banks become the investor (buy-sell-lessor) of your assets. An example is the Tawarruq (monetization) financing through Special purpose vehicle.

The preferred view in all the four schools of Islamic fiqh is that Tawarruq is permissible.

Tawarruq and Murabaha: What’s the difference?

 Here, a bank will purchase goods on behalf of a customer – such as a new car, furniture, electronics or a home – and then sell them to the customer at a profit. The profit, added to the customer’s monthly installments, is referred to as a profit rate. It is very similar in structure to a “rent to own” arrangement as the intermediary retains ownership of the goods or property until the loan is paid in full.

There are two main steps involved in Tawarruq; this could be where a bank buys shares or commodities on behalf of the customer and then leases them back to the customer. The customer then owns – either physically or constructively – the assets subject of the  contract. The second step in this process is the asset liquidation stage – where customers can choose to either sell or liquidate the assets via an agency agreement through the bank.

Generally, Tawarruq is permitted for those transactions that cannot be fulfilled through other Islamic Banking means such as giving a customer access to cash for the financing of intangible personal needs.

These can include short-term needs such as travel, education or renovating a home – or just to give a customer some cash to resolve a cash flow crisis. Murabaha, on the other hand, is generally used for longer-term loans such as the purchase of a house or car.

you can review for detail Services – Global Finance Platform



Sukuk Al-Ijarah is a Shariah compliant lease. Sukuk Al-Ijara is mostly widely financed through a SPV. The Originator, the Issuer SPV and the investors are three main parties involved in the securitization of an asset through the SPV.

For example, a customer orders an asset. The INVESTOR establishes an SPV. The Special Purpose Vehicle funds the asset through issuance of certificate of ownership to investors.  Once the asset is bought and transferred to the customer under Ijarah Muntahia bi Tamleek, periodic rental payments made by the client throughout the rental period serve as the principal and return to the investors.

Configuring with SPV

1-For Realizing a new project, Developing a current project or any commercial operation …

2-For Purchase-Selling operations of Commercial Commodities and Services …

3-For the operations of Renting and Usufruct ….

4-For the Rights and Possession of Property ….

Uses of Special Purpose Vehicles

The following are the most common reasons for creating SPVs:

1.Risk sharing

A corporation’s project may entail significant risks. Creating an SPV enables the corporation to legally isolate the risks of the project and then share this risk with other investors.


Securitization of loans is a common reason to create an SPV. For example, when issuing mortgage-backed securities from a pool of mortgages, a bank or agents can separate the loans from its other obligations by creating an SPV. The SPV allows investors in the mortgage-backed securities to receive payments for these loans before other creditors of the bank.

3.Asset transfer

Certain types of assets can be hard to transfer. Thus, a company may create an SPV to own these assets. When they want to transfer the assets, they can simply sell the SPV as part of a merger and acquisition (M&A) process.

4.Property sale

If the taxes on property sales are higher than the capital gain realized from the sale, a company may create an SPV that will own the properties for sale. It can then sell the SPV instead of the properties and pay tax on the capital gain from the sale instead of having to pay the property sales tax.


Isolated financial risk Direct ownership of a specific asset

Tax savings, if the vehicle is created in a tax haven such as the Cayman Islands or another offshores   Easy to create and set up the vehicle

                         The optics surrounding SPVs are sometimes negative

A Special Purpose Vehicle (SPV) is a subsidiary company that sits underneath a parent company and is set up for numerous reasons.

SPVs can be used to mitigate risk. If its parent company was to become bankrupt the assets held by the SPV would be protected.

SPVs can also be used to raise capital for its parent company at a favorable borrowing rate. In addition to this other benefits include the ability of the SPV being able to operate in any jurisdiction while being based in an attractive jurisdiction that fits best from a regulatory perspective.

The Special Purpose Vehicle (SPV) is a crucial financial tool in the implementation of the sukuk or investment financing.

you can review for detail Services – Global Finance Platform


We are CONFIGURING the Mortgage program you CONTRACT WITH OTHER BANKS AND LENDERS before into the LEASING model.

You can reduce your 125% very high interest payments.

You can own (much more advantageous) a house with the LEASING MODEL.

You can get rid of early interest for at least 8-12 years.

The title deed of your house with the BENEFICIARY FINANCE MODEL and all your other assets will be registered with the Trust. You can add other assets to your Trust, save or change your will and your family share plan at any time.

You can evaluate your non-US assets in the US with our Programs.

You can also keep your children’s education loans and vehicle purchases in the Trust.

All transactions are carried out by lawyers according to US law rules.

Global Benefıcıal Fınancıng-GBF is your reliable source for Sharia-compliant financing options. Through our licensed providers, we offer Islamic funding solutions in the USA and other countries.

We take great pride in helping you get your dream home or commercial properties and investment and trade activities without having to worry about Riba- Interst



We provide Financial Configuring services to the following groups.

* Former Mortgage Loan Borrowers,

* New Mortgage Borrowers,

* Persons Who Will Make Mortgage Refinance,

* Foreigners Requesting Mortgage in the USA,

* Commercial-Investment Loan Borrowers/Credit Persons,

* Those who want to protect and evaluate their assets,

* Those who want to transfer their claims to the USA

* Those who want to get rid of / reduce interest rates,

* Those who want to get rid of / reduce taxes,

 Investors /Partner/Fund Seekers for their Projects,

* Seeking Alternative Investment Opportunities Investment Institutions ,

* Seeking INTERNATIONAL FUNDS for Local Projects,

* Those Who Want to Restructure the E- TRADE INVESTİNG Financing Program,

* Foreigners who want to buy and lease real estate and other assets from the USA

* Those Who Want to Make an  Escrow Transaction

* Those who use/will use Leasing Financing

* Those who use/will use Franchise Financing

* Those who use/will use Construction Finance

* Those who use/will use Vehicle Finance

* Those who use/will use Education Finance

*Other Services – Global Finance Platform

you can review for detail: CONFIGURING – Global Finance Platform