> In the Muslim Model, the institutions BUY the property and you pay money. The money you pay goes partly towards buying the property and the partly towards pay

> In the Muslim Model, the institutions BUY the property and you pay money. The money you pay goes partly towards buying the property and the partly towards paying "fees" to use the property that you don't completely own. Check out what the Companions Ibn Abbas and Ibn Mas'oud said about such a transaction. It's still Riba (usurious) because the price of the house or asset is raised in exchange for postponing payment. It's only relatively recently with the heavy influence of Western banks that this "model" has gained some traction, but it remains a usurious transaction and many scholars have spoken against it.