Property-purchase paths in Italy, built on instruments the legal order already provides. NIB is not a bank and is not, and will not be, a deposit account.
NIB — Non-Interest Buying — is a purchase-structuring service. We do not sell a banking product. We do not hold your money. We do not name, in public, an operator you should use.
A path to buy property without interest, translating the principles of no ribā and no speculation into Italian contracts: rent-to-buy, instalments to the seller, and — still under study — a co-purchase. Every deed stays with a notary the client chooses.
We hold no Sharia certification, nor an Islamic mortgage. NIB is not and will not be a deposit account, nor a savings product, nor a credit institution.
Every public NIB sentence has to survive these three. If a line breaks them, the line does not ship.
01
NIB is the name of a buying service. It is not a bank, not a finance company, not a credit intermediary. Words reserved to banking stay off this page.
02
Work proceeds with authorised operators, chosen by the client. Naming «who we use» in public is reserved to parties enrolled to do that. We do not do it here.
03
Islamic-finance principles inform the design. We hold no Sharia certification and we hold no fatwa. Calling certified what is not would be a false statement.
The labels are facts, not promises: Active, In development, Under study, Not available today. Only the person who signs the register may promote one.
The instrument in art. 23 D.L. 133/2014. Part of the rent may be imputed to the price. The right is registered. The notary is the client’s free choice.
A sale whose price is paid in instalments straight to the seller, with no third-party lender. It needs a seller who accepts the plan, and a deed that holds.
Joint ownership with a progressive buy-out of the other owner’s share — Musharaka mutanaqisa in inspiration, Italian instruments in form. The other owner, if there is one, is an authorised operator chosen by the client.
A double transfer of title would levy registration, mortgage and cadastral taxes twice: Italian law has no dedicated exemption. That is why we do not offer it as a standard path.
Work starts from income, papers, the property and the seller. The path is chosen after that, not before. If this is the wrong moment, we say so.
The notary, any other co-owner, any trusted professional: the client chooses them. NIB does not publish a panel and does not say «who we use».
The client receives the full draft before signing and before paying any sum, and is asked to have a trusted lawyer and the notary read it.
The total price and the payment schedule are fixed in the deed. They are not tied to a rate. Any figure on a hypothetical property would be invented: amounts live in a named written quote.
Italian is canonical. English, Español, اردو, हिन्दी. This page exists in Italian and in English, each at its own address.
Italiano English Español اردو हिन्दी
No. It is not and will not be an Islamic mortgage, and it is not a bank mortgage in costume. These are purchase contracts Italian law already knows, with no rate and with no third-party lender where the path does not need one.
No. We hold no Sharia certification and we hold no fatwa. We can put the drafts before a scholar the client trusts, and adapt what Italian law allows to be adapted.
No. NIB is not and will not be a deposit account. Payments under the deed go to the seller, the notary, or the authorised operator the client chose — not to a NIB account.
The heads are the structuring fee, the notary’s fee, transfer taxes, searches and any translation. No figure appears on this page: on a hypothetical property any number would be invented. Amounts live in a written, named quote.
Yes, without reserve, and before any payment. If a structure does not survive the client’s own adviser, that is the moment it should fail.
WhatsApp +39 379 274 9294. If the path is the wrong one, we say so. This is not a booking and not the opening of a file.
Open WhatsApp