Frequently asked questions

Safe Home is a Shariah-compliant financial company that helps individuals purchase homes and vehicles or invest in businesses through ethical, interest-free financing models.

We offer the following services:
• Home financing
• Vehicle financing
• Participation-based investment (Mudarabah)
All services are based on Islamic financial contracts such as Murabaha and Mudarabah.

No, Safe Home is not a bank. We are a financing company that follows Islamic financial principles.

Safe Home is part of the Safe Holding Group and is owned by Mr. Miran Nawzad Yahya Bajger.

Safe Home operates in accordance with the legal and regulatory framework of the Kurdistan Region of Iraq.

Yes. All our financial products are structured to comply fully with Islamic (halal) financial principles. No interest (riba) is charged or accepted.

We provide personalized, interest-free financial solutions, transparent contracts, and flexible repayment options—all while strictly adhering to Shariah-compliant practices.

Islamic finance is a system that prohibits interest (riba), promotes risk-sharing, and ensures all financial transactions are backed by real assets. It focuses on ethical practices, fairness, and mutual benefit between all parties involved.

Yes. We will purchase the property on your behalf and sell it to you through monthly installments with a fixed profit, based on Islamic finance principles.

Yes, proof of regular income is required to assess your ability to make the monthly payments.

Any legal residential property registered under a housing project or listed under the Tapo (State Land) registry is eligible for financing.

If the financed amount is less than $50,000, the property remains under your name. For amounts over $50,000, the title stays under Safe Home until the full repayment is completed.

No. The entire process is transparent, and all terms—such as price and profit—are disclosed upfront with no hidden costs.

The required documents include:
• Valid ID of both the applicant and guarantor
• Mukhtar endorsement
• Land or property registry documents
• Proof of income

Once all documents are submitted by both the applicant and guarantor, the process is typically completed within 7–14 business days.

Yes, as long as the property is legal, registered, and eligible under local regulations.

Yes. Early repayment is allowed, and you may benefit from a discount depending on the remaining balance and payment timing.

Yes. Safe Home helps you purchase a car and pay for it through monthly installments in line with Islamic finance principles.

Yes, you may purchase your car from any trusted seller, platform, or dealership of your choice.

Yes. The car is registered under your name, while Safe Home takes other forms of collateral as security until the financing is fully repaid.

A down payment is not required for vehicles priced under $10,000. For more expensive vehicles, the deposit amount may vary depending on the car’s value and your repayment plan.

The repayment term typically ranges from 12 to 48 months, based on your financial situation and the value of the car.

It depends on your individual case. The need for a guarantor is evaluated based on your income level, credit history, and the total financing amount.

You will need to provide:
• Valid ID of the applicant and guarantor
• Mukhtar endorsement for both parties
• Proof of income (if available)
• Vehicle details and seller information

Yes. You can choose to repay your installments in either USD or IQD, based on your preference.

It is a Shariah-compliant profit-sharing model where you provide the capital, and Safe Home manages the investment on your behalf. Profits are shared based on a pre-agreed ratio.

Returns depend on the performance of the underlying investment and the profit-sharing ratio specified in the agreement.

Your expected profit may be lost in case of poor performance, but your capital is protected through a trust receipt (وصل الأمانة).

The minimum investment amount varies depending on the project type. Please contact our team for updated thresholds.

بەڵێ، ڕاوێژکارانی فرۆشتنمان پشتگیری و ڕێنمایی پێشکەش دەکەن لە ڕێگەی بڕیار و پێداویستییەکانتانەوە.

بەڵێ. دەتوانیت هەڵبژێریت کە پشکی خۆت لە قازانجەکان مانگانە، چارەکێک، نیوە ساڵانە، ساڵانە یان کۆتایی پێگەیشتن وەربگریت بە پشتبەستن بە مەرجەکانی ڕێکەوتنەکە.

Yes. Group investments are allowed through shared capital partnerships, and profits are distributed according to each partner’s contribution.

No investment is entirely risk-free. However, risks are minimized and fairly shared, in line with Islamic finance principles.

You can apply through our website, visit our offices, or schedule a meeting with one of our investment advisors.

You must be at least 18 years old.

Depends on the cases, based on income and credit evaluation.

Our team will contact you within a few days after reviewing your documents.

Yes, our new website allows full or partial online applications.

If you miss a payment, our customer representatives will contact you to discuss suitable solutions. In cases of delays exceeding 90 days, legal procedures may be initiated if necessary.

Yes, we must be informed at least a month before cancellation.

Yes, we follow strict confidentiality and data protection practices.

Qstoo Mall provides specialized financing options for acquiring the latest technology and home appliances. Our plans are designed to make these purchases more accessible and affordable, with flexible terms to fit various budgets and needs.

Yes, you can finance both technology and home appliances at Qstoo Mall. Our financing solutions cover a wide range of products, from the latest gadgets to state-of-the-art home appliances, allowing you to upgrade your lifestyle without immediate full payment.

To apply for financing, you can visit our showroom or use our user-friendly website to browse available products. After selecting your desired items, choose a financing plan that suits your budget, complete a simple application process, and our team will assist you through the approval and purchase process.

Qstoo Mall frequently offers special promotions and discounts on our financing plans. Check our website or visit our showroom to find out about current offers and take advantage of the best deals available.

Once your financing plan is approved, you’ll receive details on managing your payments. You can track your financing plan and make payments according to your selected schedule through our customer service team or online support.

Yes. We will purchase the property on your behalf and sell it to you through monthly installments with a fixed profit, based on Islamic finance principles.

Yes, proof of regular income is required to assess your ability to make the monthly payments.

Any legal residential property registered under a housing project or listed under the Tapo (State Land) registry is eligible for financing.

If the financed amount is less than $50,000, the property remains under your name. For amounts over $50,000, the title stays under Safe Home until the full repayment is completed.

No. The entire process is transparent, and all terms—such as price and profit—are disclosed upfront with no hidden costs.

The required documents include: • Valid ID of both the applicant and guarantor • Mukhtar endorsement • Land or property registry documents • Proof of income

Once all documents are submitted by both the applicant and guarantor, the process is typically completed within 7–14 business days.

Yes, as long as the property is legal, registered, and eligible under local regulations.

Yes. Early repayment is allowed, and you may benefit from a discount depending on the remaining balance and payment timing.

It depends on your individual case. The need for a guarantor is evaluated based on your income level, credit history, and the total financing amount.

You can apply online, visit one of our branches, or contact our customer support team directly.

You can repay in either US dollars (USD) or Iraqi dinars (IQD), depending on your preference.

If you miss a payment, our customer representatives will contact you to discuss suitable solutions. In cases of delays exceeding 90 days, legal procedures may be initiated if necessary.

Yes. Safe Home helps you purchase a car and pay for it through monthly installments in line with Islamic finance principles..

Yes, you may purchase your car from any trusted seller, platform, or dealership of your choice.

Yes. The car is registered under your name, while Safe Home takes other forms of collateral as security until the financing is fully repaid.

A down payment is not required for vehicles priced under $10,000. For more expensive vehicles, the deposit amount may vary depending on the car’s value and your repayment plan.

The repayment term typically ranges from 12 to 48 months, based on your financial situation and the value of the car.

It depends on your individual case. The need for a guarantor is evaluated based on your income level, credit history, and the total financing amount.

"You will need to provide: 

• Valid ID of the applicant and guarantor

• Mukhtar endorsement for both parties

• Proof of income (if available)

Yes. You can choose to repay your installments in either USD or IQD, based on your preference.

Yes. Early repayment is allowed, and you may benefit from a discount depending on the remaining balance and payment timing.

You can apply online, visit any of our branches, or contact our sales team for personalized support.

If you miss a payment, our customer representatives will contact you to discuss suitable solutions. In cases of delays exceeding 90 days, legal procedures may be initiated if necessary.

It is an Islamic-compliant financing option that allows individuals to cover personal needs such as education, healthcare, or essential purchases through interest-free monthly installments.

You can apply for up to $10,000 or the equivalent amount in Iraqi dinars (IQD).

The repayment period can be up to 36 months (3 years), depending on your financial capacity.

No, a down payment is not mandatory for personal finance applications.

Yes, you must present a valid invoice that explains the use of the funds (e.g., tuition fees, medical bills, or product purchases).

Yes, a guarantor is required for all personal finance applications, subject to credit assessment.

You will need to provide:

• Valid ID of the applicant and guarantor

• Mukhtar endorsement

• Proof of income

• A valid invoice or statement indicating the intended use of fund

Yes, early repayment is allowed. In some cases, you may receive a discount for early settlement.

No. Our financing model is fully transparent and Shariah-compliant, with no hidden costs.

Yes, you can choose to apply and repay in either currency

You can apply through our website, visit our offices, or contact our sales team for support.

If both the applicant and the guarantor submit all required documents, the approval process is usually completed within 1–2 business days.

If you miss a payment, our customer representatives will contact you to discuss suitable solutions. In cases of delays exceeding 90 days, legal procedures may be initiated if necessary.

It is a Shariah-compliant profit-sharing model where you provide the capital, and Safe Home manages the investment on your behalf. Profits are shared based on a pre-agreed ratio.

Yes. Mudarabah is a halal investment method that does not involve any interest (riba). All profits are earned through real economic activity and shared fairly.

Returns depend on the performance of the underlying investment and the profit-sharing ratio specified in the agreement.

Your expected profit may be lost in case of poor performance, but your capital is protected through a trust receipt (وصل الأمانة).

No investment is entirely risk-free. However, risks are minimized and fairly shared, in line with Islamic finance principles.

The minimum investment amount varies depending on the project type. Please contact our team for updated thresholds.

Yes – you may choose to receive your share of profits monthly, quarterly, semi-annually, annually, or at the end of maturity.

Yes. Group investments are allowed through shared capital partnerships, and profits are distributed according to each partner’s contribution.

Yes. Our investment consultants are available to guide you through the process and help you choose the most suitable opportunities.

You can apply through our website, visit our offices, or schedule a meeting with one of our investment advisors.