https://www.halalrates.com/blog Halal finance reviews, market analysis, and explainers from the HalalRates editorial team. Mufti-attributed content lives at /ask. en-US Sat, 09 May 2026 00:00:00 GMT HalalRates https://www.halalrates.com/blog/how-aaoifi-standard-21-screening-works https://www.halalrates.com/blog/how-aaoifi-standard-21-screening-works Sat, 09 May 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) explainer 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. https://www.halalrates.com/blog/sukuk-vs-conventional-bonds-five-differences https://www.halalrates.com/blog/sukuk-vs-conventional-bonds-five-differences Sat, 09 May 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) explainer Sukuk pay regular distributions like bonds but are structurally distinct. Five differences: asset backing, ownership, profit share basis, default treatment, and tradability. https://www.halalrates.com/blog/reading-a-halal-mortgage-truth-in-lending-statement https://www.halalrates.com/blog/reading-a-halal-mortgage-truth-in-lending-statement Sat, 09 May 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) explainer 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. https://www.halalrates.com/blog/halal-finance-2026-state-of-the-market https://www.halalrates.com/blog/halal-finance-2026-state-of-the-market Thu, 30 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) market-analysis US halal finance is in its growth phase. Provider count is expanding, sukuk markets maturing, AAOIFI standards adopted by more institutions. https://www.halalrates.com/blog/is-nvidia-stock-halal-2026 https://www.halalrates.com/blog/is-nvidia-stock-halal-2026 Sat, 25 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) stock-halal NVDA passes both screening layers comfortably. Modest dividend purification applies. https://www.halalrates.com/blog/is-tesla-stock-halal-2026 https://www.halalrates.com/blog/is-tesla-stock-halal-2026 Wed, 22 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) stock-halal TSLA passes the business activity layer. Financial ratios warrant ongoing monitoring as debt structure evolves. https://www.halalrates.com/blog/is-microsoft-stock-halal-2026 https://www.halalrates.com/blog/is-microsoft-stock-halal-2026 Mon, 20 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) stock-halal MSFT passes AAOIFI Standard 21 screening. Business activity is clean; debt ratios sit below the 30% threshold. https://www.halalrates.com/blog/is-apple-stock-halal-2026 https://www.halalrates.com/blog/is-apple-stock-halal-2026 Wed, 15 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) stock-halal AAPL passes AAOIFI Standard 21 screening on both business activity and financial ratios. Holders purify a small fraction of dividends. https://www.halalrates.com/blog/zakat-on-stocks-methodology https://www.halalrates.com/blog/zakat-on-stocks-methodology Tue, 14 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) state-zakat Trading stocks: zakatable at full year-end value. Long-term equity: zakatable on liquid assets per share. Halal funds publish per-share figures. https://www.halalrates.com/blog/zakat-on-retirement-accounts https://www.halalrates.com/blog/zakat-on-retirement-accounts Sun, 12 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) state-zakat Accessible retirement savings (Roth contributions, vested 401k) are zakatable. Locked or non-accessible portions are not zakatable until accessible. https://www.halalrates.com/blog/zakat-on-crypto-2026 https://www.halalrates.com/blog/zakat-on-crypto-2026 Fri, 10 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) state-zakat Bitcoin, Ethereum, and most crypto are zakatable. Compute on year-end market value at 2.5%, subject to the nisab threshold. https://www.halalrates.com/blog/how-to-screen-stocks-for-sharia-compliance https://www.halalrates.com/blog/how-to-screen-stocks-for-sharia-compliance Sun, 05 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) explainer Two layers: business activity screening and financial ratio thresholds. AAOIFI Standard 21 sets the criteria. https://www.halalrates.com/blog/halal-mortgage-new-york-2026 https://www.halalrates.com/blog/halal-mortgage-new-york-2026 Thu, 02 Apr 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) state-mortgage NY has deep halal mortgage coverage. Co-op and condo structures add wrinkles that halal providers handle differently. https://www.halalrates.com/blog/halal-mortgage-texas-2026 https://www.halalrates.com/blog/halal-mortgage-texas-2026 Mon, 30 Mar 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) state-mortgage Texas has strong halal mortgage provider coverage including Guidance Residential, UIF, and others, with Texas-specific homestead protection rules to navigate. https://www.halalrates.com/blog/halal-mortgage-california-2026 https://www.halalrates.com/blog/halal-mortgage-california-2026 Wed, 25 Mar 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) state-mortgage Multiple halal mortgage providers serve California, including all three major structures. The state has deep coverage and competitive options. https://www.halalrates.com/blog/why-purification-matters https://www.halalrates.com/blog/why-purification-matters Fri, 20 Mar 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) explainer Halal-screened equity often has small incidental impure income. Purification donates that fraction to charity, keeping your earnings halal. https://www.halalrates.com/blog/musharakah-vs-ijara-which-to-choose https://www.halalrates.com/blog/musharakah-vs-ijara-which-to-choose Sun, 15 Mar 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) explainer Musharakah is genuine co-ownership; Ijara is lease-to-own. Mufti review often prefers Musharakah on principle; practical fit varies by provider and state. https://www.halalrates.com/blog/first-time-halal-homebuyer-guide https://www.halalrates.com/blog/first-time-halal-homebuyer-guide Sun, 08 Mar 2026 00:00:00 GMT editorial@halalrates.com (HalalRates Editorial Team) explainer Pre-qualify, choose a structure, find a halal-aware agent, work through inspection and closing.