Guidance uses Diminishing Musharakah (co-ownership, buyout over time). Ijara CDC uses Ijara wa Iqtina (lease with binding ownership transfer). Both are permissible; the structural mechanics differ.
Listed
Guidance Residential
Best for: Diminishing Musharakah at scale
24+
Years operating
1
Structures
35
States
·
Diminishing Musharakah structure
·
Available in all 50 states
·
AAOIFI Sharia advisory board
Listed for transparency. Full Mufti Saad review pending corpus seed.
Listed
Ijara CDC
Best for: Ijara structure, multi-product (home, auto, business)
24+
Years operating
1
Structures
·
Ijara wa Iqtina structure
·
Home, auto, and business financing
·
Established Sharia methodology
Listed for transparency. Full Mufti Saad review pending corpus seed.
Side by side
The dimensions that matter.
Dimension
Guidance Residential
Ijara CDC
Primary structure
Diminishing Musharakah
Ijara wa Iqtina
Ownership during term
Co-ownership (shared)
Financier owns; you lease
Payment composition
Rent share + buyout share
Rent + acquisition payment
AAOIFI standard
No. 12 (Musharakah)
No. 9 (Ijara and Ijara Muntahia Bittamleek)
Operating since
2002
2002
Multi-product?
Home financing only
Home + auto + business
Verdict
Where each wins.
Diminishing Musharakah at Guidance is often preferred by Mufti review for principle: risk is genuinely shared from day one. Ijara at Ijara CDC works well where lease structure fits local property law better, and they cover auto and business too. Choose by structure preference and your other financing needs.
Editorial comparison. A Mufti-signed verdict replaces this when corpus content covers the pairing.
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