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Mortgage
القرض العقاري (al-qard al-'aqari) is a mortgage loan, which is a long-term loan borrowed from a bank or financial institution to purchase real estate or property. This compound term combines 'قرض' (loan) with 'عقاري' (related to real estate/immovable property), making it a fundamental concept in Islamic and conventional banking systems across the Arab world.
Worksheets, games, and lesson plans for Years 1-11
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اشتريت منزلي بواسطة قرض عقاري من البنك.
Ishtaraytu munzili bi-wasita qard 'aqari min al-bank.
I bought my house through a mortgage loan from the bank.
معدل الفائدة على القرض العقاري ارتفع هذا العام.
Mu'addal al-fa'ida 'ala al-qard al-'aqari irtafa'a hadha al-'am.
The interest rate on the mortgage loan increased this year.
يجب أن تدفع الأقساط الشهرية للقرض العقاري في الوقت المحدد.
Yajib an tadfaa al-aqsat al-shahirya lil-qard al-'aqari fi al-waqt al-muhadad.
You must pay the monthly installments for the mortgage loan on time.
لا أستطيع الحصول على قرض عقاري لأن دخلي منخفض جداً.
La astatee' al-husul 'ala qard 'aqari li-anna dakhli munkhafid jiddan.
I cannot obtain a mortgage loan because my income is too low.
القروض العقارية الإسلامية تختلف عن القروض التقليدية.
Al-qurud al-'aqariya al-islamiya takhtalif 'an al-qurud al-taqlidiya.
Islamic mortgages differ from conventional mortgages.
Mortgages in Arab countries operate differently based on Islamic and conventional banking principles. Islamic mortgages (Ijara or Murabaha) avoid interest-based transactions, which is crucial in Muslim-majority nations. The concept of home ownership through mortgages has become increasingly important as urbanization grows and real estate prices rise across the Arab world, making financial literacy about mortgages essential for property buyers.
Remember that 'القرض العقاري' is always used as a noun phrase—'قرض' means loan and 'عقاري' means related to real estate. When discussing mortgages, you'll frequently hear related terms like 'سعر الفائدة' (interest rate), 'القسط الشهري' (monthly installment), and 'مدة التسديد' (repayment period). Always use the full phrase 'القرض العقاري' rather than just 'قرض' to be specific about mortgage loans versus other types of loans.
The Arabic term 'القرض العقاري' (al-qard al-'aqari) literally translates to 'real estate loan' or 'mortgage loan.' This compound word is essential for anyone engaging with Arabic financial terminology, as it represents one of the most common types of loans in Arab countries and the Islamic financial world.
The phrase consists of two main parts:
When combined, these words create a specific financial term that distinguishes mortgage loans from other types of personal or commercial loans.
In contemporary Arab banking and real estate contexts, 'القرض العقاري' is the standard term used by banks, financial institutions, and government agencies. It appears frequently in legal documents, mortgage agreements, and financial news broadcasts. For example, when discussing property purchases, one would say 'حصلت على قرض عقاري' (I obtained a mortgage loan) or 'طلبت تمويلاً عقارياً' (I requested mortgage financing).
An important distinction in Arab countries is between conventional mortgages and Islamic mortgages. While 'القرض العقاري التقليدي' (conventional mortgage) involves interest payments, Islamic mortgages use different structures:
When discussing mortgages, learners will encounter several related terms:
In real estate transactions across Arab countries, you'll hear phrases like:
Homeownership through mortgages has become increasingly important in Arab societies as urbanization accelerates and property prices rise. The availability and terms of mortgage loans significantly impact real estate markets and housing accessibility. Islamic banking institutions have developed Sharia-compliant alternatives that have gained significant market share, particularly in countries like Saudi Arabia, UAE, and Malaysia.
The term 'العقاري' is an adjective derived from 'العقار' (immovable property). It follows standard Arabic adjective agreement patterns and can appear in various contexts:
When learning this term, remember that it's a fixed phrase commonly used together. While you might understand 'قرض' alone to mean any loan, 'القرض العقاري' specifically refers to mortgages. Additionally, familiarize yourself with the grammatical forms as they appear in financial documents, news articles, and banking communications.
Understanding 'القرض العقاري' opens doors to comprehending broader financial discussions in Arabic, making it invaluable for business professionals, real estate agents, and anyone engaged with Arab financial institutions.