المشاركة المتناقصة كآلية من آليات التمويل العقاري الإسلامية و دورها في تمويل السكن : دراسة تجارب

الملخص EN

The aim of this research paper is To focus on housing finance As house Is a fundamental necessity of human life ,So because of the traditional mortgage financing is based on interest, the Islamic banks introduced a number of methods compatible with Islamic law With respect to housing ownership, So we touched To the most important mechanism Which is musharakah mutanaqisah It is widely applied in Malaysia, Canada, pakistan, and many other countries, finally The study concluded that the contract of musharakah mutanaqisah More efficient and sophisticated mortgage techniques It depends on a true partnership that is consistent with the purposes of Islamic law and denies the existence of any usurious deal, It can be subject to doubt, This study recommends the need for further regulatory changes And the creation of a leasing index to generate a more favorable environment for implementing a declining participation model in real estate finance.