halal
rates

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Halal finance, analyzed.
Editorial analysis: stock halal verdicts, state-by-state halal mortgage guides, market notes, regulatory updates. Mufti-signed rulings live in the /ask archive; this blog is editorial content from the HalalRates team.
Latest
18 posts.
Explainers
5 min read
2026-05-09
How AAOIFI Standard 21 Stock Screening Works: The Two-Layer Method
AAOIFI Standard 21 stock screening has two layers: business activity (no riba, alcohol, gambling, etc.) and financial ratios (debt, interest income, cash thresholds). Walked through.
HalalRates Editorial Team
Explainers
4 min read
2026-05-09
Sukuk vs Conventional Bonds: 5 Structural Differences Explained
Sukuk pay regular distributions like bonds but are structurally distinct. Five differences: asset backing, ownership, profit share basis, default treatment, and tradability.
HalalRates Editorial Team
Explainers
5 min read
2026-05-09
Reading a Halal Mortgage Truth-in-Lending Statement: A Walkthrough
Halal mortgage Truth-in-Lending disclosures look identical to conventional ones on the surface. Here is what to look for in the principal, payment schedule, and structure-specific fees.
HalalRates Editorial Team
Market analysis
6 min read
2026-04-30
Halal Finance 2026: State of the US Market
US halal finance is in its growth phase. Provider count is expanding, sukuk markets maturing, AAOIFI standards adopted by more institutions.
HalalRates Editorial Team
Is X stock halal?
3 min read
2026-04-25
Is Nvidia Stock Halal in 2026? Sharia Screening Verdict
NVDA passes both screening layers comfortably. Modest dividend purification applies.
HalalRates Editorial Team
Is X stock halal?
4 min read
2026-04-22
Is Tesla Stock Halal in 2026? Sharia Screening Analysis
TSLA passes the business activity layer. Financial ratios warrant ongoing monitoring as debt structure evolves.
HalalRates Editorial Team
Is X stock halal?
4 min read
2026-04-20
Is Microsoft Stock Halal in 2026? Sharia Screening Methodology
MSFT passes AAOIFI Standard 21 screening. Business activity is clean; debt ratios sit below the 30% threshold.
HalalRates Editorial Team
Is X stock halal?
4 min read
2026-04-15
Is Apple Stock Halal in 2026? Sharia Screening, Purification, Verdict
AAPL passes AAOIFI Standard 21 screening on both business activity and financial ratios. Holders purify a small fraction of dividends.
HalalRates Editorial Team
State zakat guides
5 min read
2026-04-14
Zakat on Stocks: Trading vs Long-Term, Halal Funds, and the Methodology
Trading stocks: zakatable at full year-end value. Long-term equity: zakatable on liquid assets per share. Halal funds publish per-share figures.
HalalRates Editorial Team
State zakat guides
4 min read
2026-04-12
Zakat on Retirement Accounts: 401(k), IRA, Roth Methodology
Accessible retirement savings (Roth contributions, vested 401k) are zakatable. Locked or non-accessible portions are not zakatable until accessible.
HalalRates Editorial Team
State zakat guides
5 min read
2026-04-10
Zakat on Crypto in 2026: How to Compute It for Bitcoin, Ethereum, and More
Bitcoin, Ethereum, and most crypto are zakatable. Compute on year-end market value at 2.5%, subject to the nisab threshold.
HalalRates Editorial Team
Explainers
7 min read
2026-04-05
How to Screen Stocks for Sharia Compliance: The AAOIFI Method Step by Step
Two layers: business activity screening and financial ratio thresholds. AAOIFI Standard 21 sets the criteria.
HalalRates Editorial Team
State mortgage guides
5 min read
2026-04-02
Halal Mortgage New York 2026: Providers, Structures, Co-op Considerations
NY has deep halal mortgage coverage. Co-op and condo structures add wrinkles that halal providers handle differently.
HalalRates Editorial Team
State mortgage guides
5 min read
2026-03-30
Halal Mortgage Texas 2026: Providers, Structures, and Texas-Specific Notes
Texas has strong halal mortgage provider coverage including Guidance Residential, UIF, and others, with Texas-specific homestead protection rules to navigate.
HalalRates Editorial Team
State mortgage guides
5 min read
2026-03-25
Halal Mortgage California 2026: Providers, Structures, and What to Expect
Multiple halal mortgage providers serve California, including all three major structures. The state has deep coverage and competitive options.
HalalRates Editorial Team
Explainers
5 min read
2026-03-20
Why Purification Matters: The Math and the Spiritual Logic
Halal-screened equity often has small incidental impure income. Purification donates that fraction to charity, keeping your earnings halal.
HalalRates Editorial Team
Explainers
6 min read
2026-03-15
Musharakah vs Ijara: Which Halal Mortgage Structure to Pick
Musharakah is genuine co-ownership; Ijara is lease-to-own. Mufti review often prefers Musharakah on principle; practical fit varies by provider and state.
HalalRates Editorial Team
Explainers
8 min read
2026-03-08
First-Time Halal Homebuyer Guide: Step-by-Step
Pre-qualify, choose a structure, find a halal-aware agent, work through inspection and closing.
HalalRates Editorial Team
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