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@hotinco Others have essentially made the relevant points. I like that you’ve thought about this in detail, and before I’d begun my house buying journey I thought all the things the government had done were helping. While buying I realised they really weren’t. It was apparent very quickly that...

@hotinco Under Islamic law, you cannot charge interest on a loan as it is haram to make money from money. The commenter is pointing out the similarities between your plan and Islamic law. Obviously that wasn’t the point you were making, however they do exist. 😊