Frequently Asked Questions

No, it does not. In accordance with official government regulations and guidelines, you can invest in fractional ownership on Ghanem without affecting your housing support.

All you need to do is download the app, complete the registration details, and fund your wallet through one of the available methods. Then select the right opportunity and the number of shares.

Since its founding, Ghanem has been committed to establishing an independent Sharia board composed of certified Islamic finance specialists. The platform is committed to the following:

- Reviewing the structure of each product (usufruct, fractional ownership, etc.) and obtaining written approval from the board before it is listed on the platform.

- Issuing quarterly Sharia audit reports that review the actual execution of contracts and their compliance with issued fatwas.

- Adhering to AAOIFI (Accounting and Auditing Organization for Islamic Financial Institutions) standards in Sharia classification and disclosure.

- Maintaining a segregated account that separates user funds from platform funds.

- Making an updated version of the Sharia board's decisions available on the website and app for users to access at any time.

Ghanem Sukuks are tokenized deeds from the Real Estate Registry. You receive an official deed from the Real Estate Registry that shows your ownership percentage in a specific property.

Returns vary from one opportunity to another. Make sure to read the opportunity file before participating.

Fractional ownership is actual ownership of a property at a specific percentage for investment purposes. It allows individuals and institutions to participate in owning a property and benefit from the returns it generates, whether rental or capital gains.

Ghanem platform allows you to invest in real estate through:

- Fractional Ownership: Own a share of an income-generating property, receive annual rental distributions, and earn capital gains from the property's value appreciation upon exit.

- Usufruct (Right of Use): Benefit from rental income through leasing contracts — you receive a portion of it at a discounted value.

Ghanem appoints a qualified and highly experienced property manager. Fees vary depending on the opportunity. Make sure to read the opportunity file before subscribing.