Four models… each segment has its path
One size does not fit everyone: choose the model that matches the nature of your income and your goals, and let the ThinkDar™ AI engine suggest the optimal allocation for you.
Standard system
- Equal monthly payments
- Linear and stable ownership accumulation
- Fixed purchase price
Accelerated ownership
- Higher initial instalment and larger ownership premium
- Faster ownership building
- Reward: lower final purchase price (-3%)
Flexible hybrid
- Market rent + a variable instalment selected by the user each month
- Adaptable to changes in income
- Highly flexible exit terms
Sharia-compatible option
- An interest-free ‘rent ending in ownership’ structure
- Kemedar buys the property and leases it to the tenant
- Ownership transfers legally at the end of the term
The Islamic Ijara option — how is it different?
🔁 Direct model
A direct agreement between seller and tenant: monthly payment = rent + ownership instalment, while Kemedar documents and manages through the platform.
🕌 Ijara model
Stage 1: Kemedar legally buys the property and leases it to the tenant (payment = rent + purchase instalment without riba). Stage 2: ownership transfers legally to the tenant when the term is complete — structurally compatible with Islamic finance standards.
ThinkDar™ AI — a property financial analyst for every profile
The system processes unstructured data ignored by traditional finance: informal income, freelance transactions, mobile wallets and even profiles without a tax certificate.
Instant assessment: affordability below 30% of income = excellent rating.