Zero Mortgage Halal Financing: it’s a great deal, with interest rates on mortgages, loans and credit cards lower then any bank. 2.9% on all three. But it is not offered to just anyone. You have to be a practicing Muslim to get in on the deal.
To qualify, you have to be sponsored, speak to the local imam, and if you’re a kaffir and convert to Islam on the spot, your interest rates drop to 0% — which strongly encourages conversion to Islam.
Another stipulation is that it is forbidden to make money off of these loans. It has been set up that any interest accrued or penalty fees are donated to a “charity of their choice.” That money is certainly donated to an Islamic charity, many of which have been shut down for financing jihad terror.
Muslims are using our current financial systems against us, with eager help from short-sighted financial institutions.
This is the actual email they send to potential “clients.” There is a lot of information contained here, as well as links to various websites that give revealing additional information surrounding mortgages, cash loans and credit cards.
Greetings from Zero Mortgage
We appreciate you contacting our group. For next steps you can either contact Zero to answer any Halal Questions (please review top 10 reasons and information on our website and email) or fill out the application form HERE (Click) to get your approval process started. Further details are listed in our newsletter at the end of this email.
For clients who have a closing date or are transferring please review the attached checklist of items and fill out this form: http://www.zeroglobal.bi z/files/3014/9460/6795/TC_-_Bl ank_Mortgage_Application_with_ Zero_Tel.pdf.
Fee free to contact us at anytime to help you with the process.
Zero Mortgage Canada
330 Bay St. Suite 1400
Toronto, ON M5H 2S8
www.zeromortgage.ca www.zerog lobal.biz416 777 ZERO (9376)
844 677 ZERO (9376) (Toll free)
December Newsletter
Greetings from Zero Mortgage,
Zero Mortgage partners with Wakala MortgageWith limited financial institutions in Canada who have agreed to the halal terms set out by our Shariah board, we have set up a referral arrangement with Wakala Mortgage to give options to clients who do not qualify for our 100% Halal Zero product. The Wakala Mortgage product is a temporary option until a client can rejoin our 100% Halal Zero Product. Various scholars and community leaders have endorsed this endeavor and we encourage homeowners who do not qualify for Zero Mortgage for various reason to visit WakalaMortgage.com. Wakala Mortgage will be able to handle clients across Canada including Quebec, Fort McMurray and more. They will also be able to handle clients with properties over $1 million, self-employed and people with income overseas.Zero hires a full-time Canadian Imam to answer all Halal questionsSh. Nabil Khan (Chief Halal Officer – Interim) Nabil Khan Graduated from Al-Ihsan institute in Vancouver studying Classical text and in-depth Quran analysis under a senior teacher. He is a qualified Islamic Scholar. He has traveled overseas for part of his Islamic studies to Bury, UK. He has studied and remains in contact with many senior scholars. He was born in Vancouver, British Colombia before moving to Edmonton, Alberta wherein he lived for 10 years prior to returning to Vancouver. After completing his high school education he has been studying Islam and familiarizing himself with the Canadian banking and real estate industry. He is currently enrolled in courses to further educate himself in these areas. He has been monitoring the growth of Islamic finance in Canada and met many organization and individuals. He is currently a teacher at a school in British Columbia and Imam for British Columbia Muslim Association (BCMA).“This year I joined the Zero Team and have been answering questions from clients across Canada. In Islam, we are told we have a solution for all issues and for home financing in joining Zero I believe we have the best solution. We provide our community products and services where we do not have any extra fee. Our products are 100% halal as confirmed via fatwas by leading experts in the industry. I look forward to interacting with the community and welcome any Masjid Committee or Imam to contact me directly. I recommend potential clients to read the various videos and articles available on our website or in email communication.”Sh. Nabil KhanYou can reach Sh Nabil Khan during business hours Monday – Friday or book an appointment at https://zeromortgage.acuity scheduling.com.Zero Mortgage Returns to RISCome visit our Zero Team at Booth 1416. Visit www.RISConvention.com fo r more information. Preview our flyers that have been inserted into the Tote bags of attendees (click images to enlarge):Zero Mortgage has expanded to VancouverVancouver and vicinity clients can call 604 355 3925 directly.Zero Mortgage New Videos and Messages
To see the Ramadan Message of Dr. Mufti Muhammad Zubair Usmani (May 2017) please click here: https://www.youtube.com/ watch?v=txjv7ktWixY
To see endorsement of Dr. Mufti Muhammad Zubair Usmani of Zero Mortgage Canada (May 2017), please click here: https://www.youtube.com/ watch?v=exx8EoNRj10
To hear endorsement and Top Ten reasons for using Zero Mortgag by Mufti Ismail Desai, Zero Chief Halal Officer (May 2017), please click here: https://www.youtube.com/ watch?v=wyfFR46XYnE
Zero affiliated Scholars travel to Canada
Dr. Mufti Muhammad Zubair Usmani who is a signatory to the original fatwas has also joined our external Shariah Ethics Board as a Shariah Ethics Advisor. Dr. Aznan Hassan our retained Shariah auditor has agreed to travel to Canada this year along with Zero Chief Halal Officer Mufti Ismail Desai. We will be announcing public events shortly. Our team met with Dr. Mufti Muhammad Zubair Usmani overseas who signed advisor employment contracts with Zero Mortgage. Please review his videos for more information. Zero Mortgage follows the international standards of Shariah standards as set by the organization AAOIFI where 3 senior independent scholars signed our fatwa of which two must be senior and sit on other institutions. Institutions are also required to have Fatwa public on a website and perform an annual Shariah Audit. At present Zero Mortgage is the only Halal Financial company in Canada that adheres to these criteria.
First step is to obtain a Pre Qualification Letter from Zero
Zero now offers a Pre-Qualification letter through a licensed brokerage to show the maximum financing you can obtain. To receive a Pre-qualification Letter from Zero Mortgage, please fill out this online form:
https://docs.google.com/forms/ d/e/1FAIpQLSe5SDsGWZ2UthWFpvvX d5hI9wQ2TSt0JPhLugiYvAILR9rdPg /viewform?c=0&w=1In a few days we will email you back with a letter stating maximum financing eligibility. We will also share further details about the financing. Please note that we will NOT pull a credit bureau report at this stage. You can share this letter with one of our Zero referred real estate agents or another agent of your choice to start looking for a home. You can also use this letter to book a new home.3 Branch Information Offices in TorontoVisit Zero Toronto Area offices in Mississauga, Scarborough and Downtown (by appointment only). Clients are required to have a pre qualification letter processed prior to booking an appointment. Please see above. To book an appointment or skype appointment please click: https://zeromortgage.ac uityscheduling.com/schedule.ph pLocated at:
MISSISSAUGA: 2425 Matheson Blvd E Suite 793, Mississauga, ON L4W 5K4.
Click Here for Map
SCARBOROUGH: 251 Consumers Rd Suite 1250, Toronto, ON M2J 1R3
Click Here for Map
DOWNTOWN: 330 Bay St. Suite 1400, Toronto, ON M5H 2S8
Click here for MapNew Articles and Letters
Zero Mortgage asks clients to review these documents. New documents is Top 10 List article by Mufti Ismail Desai and a letter for clients who currently have a bank mortgage to provide to ones bank to waive any penalty fee for transferring to Zero Mortgage.
Quick Links:
1. Certification by Scholars
2. Zero Halal FAQ
3. Zero Top 10 Reasons (NEW)
4. Letter by Partner/Funders
5. Letter to give Bank Manager to waive Penalty/Breakage (NEW)
6. Download Application formZero launches New Video explaining the Halal Mortgage Product (Click on Image below)
Launch of TwoHomeOwners.comAre you currently a tenant? Do you want to stop paying rent? Do you want to buy a home but need more qualified financing?Then let us help you take a step towards home ownership.Example:Two families in Toronto make $60,000 each and are not qualified to acquire a reasonable mortgage separately. But together, the combined income of $120,000 helps them get a sufficient mortgage to buy a house.They become co-owners for a set period and this setup eventually helps both of them become separate home-owners.What does Two Home Owners do?We match up potential home owners based upon various factors to ensure compatibility in this housing arrangement, so that the two families may save money on rent and put money towards financing their own property.Benefits:• The two-partner purchase program allows both parties to buy a house and share initial costs.• Money is not being wasted on rent payments and is instead invested in a house.• Have a bigger down payment for next owner to buy his homeVisit us at: www.twohomeowners.comZero Real Estate Referral Agents across Canada
Zero Real Estate Referral Agents can help you purchase your new home. We offer up to $10,000 in Gift Cards/Discounts from the BRICK (furniture stores) if you use these real estate agents. To have a real estate agent contact you and for more information please contact [email protected]. (other real estate agents across Canada are welcome to join)Zero Umrah Raffle Winner announced
Akram Bouallagui of Brampton Ontario is our Umrah Raffle Ticket winner. Inshallah pictures and a story will be shared in the future. We thank the thousands of Raffle submissions.New Immigrant FinancingWith our partner funder, we now have a new immigrant financing program where credit scores are not required. If you have arrived in the last 3 years please contact us for details.Household Income Level to Maximum Financing Amount
(assuming no debt and income is reflective on tax returns)Annual Financing
Income Amount
$38,326 $190,000
$56,656 $285,000
$74,986 $380,000
$93,316 $475,000
$111,645 $570,000
$129,975 $665,000
$148,305 $760,000Article Published in Muslim Pages – Toronto, Canada
HALAL FINANCING – Is interest preventing you from owning a home?
by Ahmad Wais Popalyar, Vice President Zero Mortgage Dec 1 2016Sh Omar Rahman of Zero named part of ISLAMICA 500 Islamic Economy Leaders
On October 10 2016 in Dubai ISLAMICA 500 announced its list of Top 500. Sh Omar Rahman of Zero was selected by the independent award. “The ISLAMICA 500 is a premier independent instrument to assess the momentum of the Islamic economy. The global leaders recognized in the ISLAMICA 500 witness a variety of profiles and industries showing the diversity of the achievements made at a global scale, beyond gender, nationality, religion, sectors.”
http://islamica500.com/
Profile page of Omar Rahman from ISLAMICA 500Zero Mortgage is looking to Hire
Zero Mortgage Canada is looking to hire qualified individuals for various positions in Toronto. The ideal candidates would have good communication skills to explain the halal nature of our products and willing to learn more about the Canadian mortgage market. If you would like to join our team, and have the skills and ideas to help us, please e-mail us your resume at info@zeromortgage.ca
Please forward this newsletter to your family and friends to start living Halalwith peace of mind (sakinah) and blessings (baraka).Zero Mortgage Canada
330 Bay St. Suite 1400
Toronto, ON M5H 2S8
www.zeromortgage.ca (Fatwas can be viewed at www.zeroglobal.biz)
Skype: zero.mortgage (Online W ebchat on our Website)
416 777 ZERO (9376)
1 844 677 ZERO (9376)
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this will very interesting to follow………desperate people do desperate things , like convert to islam…….and the fine print says …..til death do you part
it’s the will of mohammad. zero mortages, so muslims can buy two and more houses, properties, lands and take over canada and the west. islam will dominate
Go eat a pork sandwich, pedophile-worshipper.
Islam won’t dominate jack$#it except for weak minded folls like you.
????
Did someone touch a nerve?
How are those fine Canadian goats, eh ??? And do you prefer goat mouth, or goat anus, or have you no preference ??
Then they will herd goats over our lands and will turn it all into desert.
Goat Puckers are noted for turning any paradise into desert waste land.
Why don’t they all crawl back to their own slime filled cess pool and leave real humans alone?
We already know how islam makes out in THE end..read REVELATION. The koran is but a cheap knock- off of the
BIBLE.
Very good conversion strategy and good way to bankrupt the banks which then will be bailed out by the dumb kuffars who elected Left/liberal loons to power. .
Dems/Left/Liberal/socialist/feminazis have only destroyed countries which they ruled/misruled.
Just Like this Bernie/Dems socialist utopia has collapsed https://tinyurl.com/yavxfl4m
I get the general idea; however as our heroine noted, the Muslims in their many countries do charge interest in a round about way. Say someone wants a loan of $1,000. The lender says something to the effect of I’ll buy a camel off of you for $1,000 dollars. Then he says something to the effect of I’ll sell you back the camel for $1500 dollars. That is something of how the :em>no interest subterfuge works. It is winked at by religious authorities.
I guess Canada does not have equal rights. Wait until this comes to the US!
Lending money with no return means the businesses cannot even operate. This won’t be going anywhere, anytime. Interest being illegal is one of the many reasons the Middle East remains a “shithole”, to quote CNN’s favorite word.
This is why muslims give Zakat. This is how muslim charity operates. The majority of muslims give money to muslim charities that aren’t really charity at all. All muslim “giving” is designed to expand the territory of muslims. All this will continue. As long as the west buys their oil they will have riches to expand like the cancer they are.
i am afraid we are into a long played out game getting real close to checkmate….they have exposed their “move”….now what are we going to do about it?
Check mate involves understanding that this is a religious war. It is God vs. the devil.
Zakat.
Oh, and don’t forget the poppies of Afghanistan.
Some muslim country is probably paying the bank to launch this in order to further its stealth jihad, one town at a time.
I would say allot of oil countries brought is now sinking us
think about the rich billionaires who will fork out that dough to gain as much property as possible , i shudder at the thought
No equality. Islam has privileges in the west
Because democrats and muslims share the same spiritual father.
There is no such thing as equal rights. Never has been. It is just Satanic or Godly. The wicked must find the guilty unless they repent and seek the God of Heaven and earth. This will all continue as people must fulfill their need to do evil.
If they throw in free FGM for the 3 girls in my family then I would probably take the deal.
I’ll even do the FGMs up front, before I sign, as a show of good faith.
Free Burkas maybe??? Just asking.
did anybody mention to the kafir convert the penalty for breaking the mortgage and leaving islam is death?
Why would they leave when they get so many perks?
Hope this is very popular in the muslim community, as it will assist in driving them into bankruptcy that much faster. However, best to have a good forensic accountant look at the details, as it is very unlikely it is actually a loan with no interest or service fees. Committing to islam puts the convert under islamic tax laws, which are brutally enforced.
They have some tricks, in effect charging interest, but in disguised form.
Obviously it is unsustainable to give loans without charging interest.
can someone sue them for religious discrimination?
no. islam has privileges in the west
I’m thinking “poor Canada” but I can’t help but wonder is this kinda muslum crap already going on in the USA as well?
This is nothing but greasing the skids for an islamic takeover of Canada.
Of course it does. Just not out in the open on such a scale. Canada is the beta test for the real goal of conquest. America.
More pandering to Islam above all the other religions…I’m sure there are still good people there, but Canada has become a joke which is no longer quite so funny.
And then they can come right over the border.
Actually, since Trump took office, border jumpers of all stripes are now jumping the USA southern border, high-tailing it across the states to the northern border, then jumping into Canada. The northern border is starting to look like the southern border but with snow. The snow does a nice job covering up the trash.
Interesting… How is the bank going to cover salaries, depreciation and inflation, and why would anybody pay back the money?
They will cover the gap making kafir’s interest rates over the top. So let’s say people with a high FICO score will have the interest rate as high as the subprime lenders will offer. Don’t worry, they will always find how to get us. Especially if it concerns “Political correctness”
Nothing new here: this is merely the western banks competing with the Sharia bank and ABSOLUTE DISCRIMINATION totally ignored by the hypocritical fools who “lead” us as it provides MASSIVE financial power to muslims cf the average person. Over two decades ago I discovered this and tried to join the Sharia bank. I wont go onto it but I have from a teenager refused to accept usury and what assets I do have always been in property or cash ONLY. Thus I am against usury and my family is also. There are many reason’s for this so please DO NOT ask why as frankly it is no one else’s business. OOC I tried to join the Sharia bank here as in the west (unlike muslim sewers where they never have a cent) they are lavishly supplied with cash by arab oil and I was very curious about discrimination being applied here. I made some 12+ applications online and by mail and never ever received a reply. So, I tried a false arab name and received a reply immediately. However such demanded proof of identification and so it ended there. I took the “evidence” (poor though it was) to the Ombudsman here saying that this was blatant discrimination giving muslims a TREMENDOUS financial advantage( 4 houses in 25 years unlike the ONE for the rest of us OR TWO houses and a small business in 25 years) over the rest of us. In the end my supplied evidence was taken as I was accused of attempting a fraudulent action and I took the hint. There is NOTHING that the western governments will do to stop this. BTW “service”(?) stations and pharmacies are listed as the prime small businesses to buy in the al Qaeda manul and guess which group owns most of them in my country?
Somebody needs to read up on Islamic banking. The money is NOT interest-free. What happens is that the bank includes the interest into the payment schedule but does not call it interest. You still pay for the privilege of borrowing, Truly, TANSTAAFL.
The BBC showed a program where a muslim bought a 500K house for 560k over ten years. The 60k was the COST of the loan. NOW compare that to you or any infidel buying a 500k house in ten years hahaha!!! NO CHANCE as it would take you 20-25 years, Then work out the interest rate and sum it up. A damn sight more than 60K THAT was the point. You are simply waffling.
This is soooooo F-ed up, it just can’t be.
Someone, please tell me this is some kind of draw for a future trap or sting operation, please, please, let it be so. Collect all kinds of personal data, references, and financial data to start building a case against all these pisslamists before you heard them up, seize their assets, and deport them.
I still can’t believe we will soon have a pisslamic nation on our own northern border!
How the F- are we going to be able to save the world without using nukes?
Arm yourself before the democrats only make it legal for muslims to own guns.
I would never get such treatment from my fellow countrymen or members of my religion. How can we win in the face of such unity?
Almost like giving amnesty to illegal immigrants……almost.
So, in Toronto they will pay us to convert to islam? Why doesn’t that appeal to me? Oh that’s right – i’d rather be cremated!!
Time to list the company names of this appropriately named Zero, for Slimer intelligence I assume, company and then immediately destroy any credit cards and cancel all accounts held by their Parent/main banks.
That way if the banks want zero they get zero. Willing to bet that the stock holders that back out will be noticed.
Zero interest mortgages are subterfuge dreamed up by world bankers to attract Muslims to borrow money. Canadian bankers have been making a lot of cash from these deceitful mortgages for several years. In truth, the interest charges are hidden so that followers of Islam believe they are borrowing money at zero percent.. In reality, Muslims often pay more for their cherished no-interest mortgages than people who borrow money at a stated interest percentage. Linda Sarsour and other Islamists would have us believe that Muslims pay no interest on credit cards as well. Do not join Islam because you believe you will receive interest free loans of any kind. They are all based on chicanery, pretense and fraud. For that matter, never join Islam for any reason.
The carrot and stick instead of the sword?
Zakat Charity and Aid
https://www.thereligionofpeace.com/pages/quran/charity-disaster-relief.aspx
Just remember who ever converts to Islam gives up ones freedom and no way out as one gets death or similar if one tries to leave
Worse for female
Sounds like discrimination to me.
I would close my account instantly if my bank tried this bs
These kinds of loans are available to non-Muslims: Jewish and Islamic law have something in common when it comes to borrowing and lending with interest. “Lending with interest is one of the gravest transgressions in the Torah, and therefore, one of the greatest mitzvoth [good deeds] is lending without interest,” Rabbi Abraham Fine, from the Court for Interest in Jerusalem, explained to Al-Monitor. Similarly, Ibrahim Salma, imam of the Ajami Mosque in Jaffa, told Al-Monitor, “In Sharia, interest is a grave sin, and a Muslim must not pay or receive interest, even a pittance.”
I live in Canada and this Zero Mortgage interests me and I am also in the market for a mortgage this coming spring, so I have made inquiries. Bear in mind I have been receiving chat help from them but they’re are making me wait 10-15 minutes between questions and now they won’t respond at all. Note, they do not have the courtesy to end the chat. I have also filled in an application online from one of your links. Will let readers know when I receive a reply. Here is the chat:
arrowPlease wait while we route your call to the next available agent who will help you with your question: “Are these mortgages available only available in Toronto area?”.
arrowAgent Zara has received your message and will be right with you.
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Welcome Wallace Robinson, how can I help you today?
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Are these mortgages available only available in Toronto area?
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across canada
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we are here to help you in the process
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Great!
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I am planning to build a small home around in late May. The mortgage amount should not be over $80,000.
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Is is too early to start asking about this?
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sadly we only finance built properties
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as we need an appraisal
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what brought you to our company
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Zero mortgage.
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I’ve already been to a bank and I would qualify for the loan as I have much more in savings than the mortgage amount. It is a financial strategy of mine to use mortgage money for the project.
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I’m assuming Zero Mortgage is a legitimate company, so I have to asked: No company is in the charity business, so I would need to know if you are legit in that how would you make money from issuing a mortgage for me?
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at zero percent?
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it is not zero percent
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zero mortgage is just our company name
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Oh, I’m sorry.
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What about the mortgage does “Zero” described then. I find that a bit misleading.
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What does the “Zero: mean, I mean?
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You must be busy with other clients as well, seeing that it’s taking some time for you to respond.
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Hello
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Do you intend to help me. If not, say so please.
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I am a patient man.
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How can Zero Mortgage benefit me more than a regular mortgage company? Please answer as I am looking for legitimate consumer information.
Second chat upon no response to above:
Welcome Wallace Robinson, how can I help you today?
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Do I have to be Muslim to qualify for a mortgage with Zero Mortgage?
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You have chatted with me before. Is that the way you treat all your customers>
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Would you apologize for how you are treating me as a potential customer?
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yes we are open to all canadians
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i will send your our application form
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I have already filled in an online one. Will that do?
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How will you send it if you need to send?
I inadvertently closed the page, so I contacted Zara again. Here is my closing.
Welcome Wallace Robinson, how can I help you today?
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I have received the application form which I earlier filled. Can I assume then that it is on file.
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yes if you have sent it
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OK thanks for wasting a lot of my time, hopefully, I will save enough on the mortgage to pay for it. Time is Money!
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Very impolite and unprofessional, but I am serious about this application.
At one point, being a good liberal yourself, you probably voted for a liberal who has no problems with sharia law. Now you want to buy a house and figure there’s no harm in converting to Islam. Sounds easy… convert, pay no interest. You get tired of your new friends and quit going to the mosque. The imam decides you quit islam and sends his sharia squad to pay you a visit. Since sharia is now the law of the ‘no go’ zone where the bank is located, guess what happens to you?
you have to take into consideration a rich zealot could actually absorb the loses incurred by lending interest free….and there may also be fine print that could acquire him a great deal of property for the future takeover.
………has anyone read any of the loan contracts?