Your keys,one ring at a time.
The home goal builds your down payment in its own portfolio, so it never mixes with daily spending or disappears in a hard month.
How much do you need each month?
Move the values to see a rough monthly amount. It uses a fixed assumed yearly rate.
Figures are examples. Fees and zakat are not deducted. Returns are not guaranteed, investments can fall in value, and are not a promise.
Seven years, seven big rings.
- The habit forms
Twelve automatic transfers on payday. What matters now is keeping going, not the number.
- A halfway check
Has the price of the home you want changed? Adjust the target and Ghars recalculates the monthly amount.
- Calming the mix
As the date gets close we suggest moving to a calmer portfolio, so a dip just before buying is less of a shock.
- The keys
Request a withdrawal to your own bank account and use it for the down payment.
What not to forget in the sum.
The down payment is rarely the only cost. Add these to your target from the start.
- Purchase and registration costs
Ask your finance provider about expected costs and add them to the target.
- Furnishing and moving
You can create a small separate goal for this, with a nearer date.
- An emergency cushion
Don't use everything you've saved. Keep a few months' cushion outside the home goal.
- Sharia-compliant financing
Ghars doesn't provide home finance; compare offers from licensed providers.