Own Fractional Sharesin Income-Generating Properties
Own properties with usufruct rights from income-generating assets, with low risk and a structure compliant with Islamic Sharia principles
Ghanem is part of the Real Estate General Authority's regulatory sandbox
What Does Ghanem Offer?
Ghanem gives you the option to invest in income-generating properties through fractional ownership or usufruct rights, documented and certified with a property deed in your name
Fractional Ownership
You can invest and own a share of a property in an automated and documented manner, with a fractional deed officially registered in your name
Monthly Distributions
As a Ghanem investor, you will benefit from continuous rental distributions that help you manage returns and reinvest
Early Exit
You can exit early from the real estate deeds you own in an automated way through the Ghanem app
Sharia Compliant
Our product complies with Islamic Sharia principles and local regulations, approved by the Sharia Committee
Our Operations Comply with Islamic Sharia
We adhere to Islamic Sharia principles, and all our products undergo review and audit by an experienced and qualified committee
Prof. Dr. Youssef bin Abdullah Al-Shubaili
An international Sharia expert in Islamic finance, holding advisory and supervisory positions in several Sharia bodies, member of scientific councils and local and international arbitration bodies, member of the Sharia Committee at Bank Al-Bilad, former professor at the Higher Institute of Judiciary, and holder of a PhD and Master's degree in Comparative Jurisprudence from the Higher Institute of Judiciary at Imam Muhammad ibn Saud Islamic University
Prof. Abdulaziz bin Saleh Al-Dumeiji
A Sharia consultant in finance, investment and Islamic finance, specialized in developing and restructuring financial products in compliance with Sharia principles. He has worked in Sharia departments at several financial institutions, holds a Master's degree in Jurisprudence, an Executive Master's in Islamic Finance, and a fellowship in Sharia Supervision and Audit
Dr. Khaled bin Mohammed Al-Sayyari
A Sharia expert and consultant in Islamic finance, specialized in project financing, Sukuk issuance, and structuring financial products. He holds advisory positions for government and private entities, and is a member of several Sharia committees. He holds a PhD in Comparative Jurisprudence from the Higher Institute of Judiciary and is an Associate Professor at the Saudi Electronic University
Sharia Committee Decisions
Comparison between Types of Real Estate Ownership
Real estate usufruct right is an investment opportunity we provide through our platform, allowing you flexible investment in distinguished properties without owning them. You benefit from stable rental returns throughout the contract period, while reducing costs and risks. An ideal model for investors seeking regular income and diverse real estate options, with higher flexibility and ease of entry and exit from the property.
Annual Return
Benefits
Investor owns a share of the property or fund
Doesn't own the property, but benefits from its income with higher returns
Investment Duration
Ownership right documented in the deed or unit
Right for rental income purpose with higher returns
Risks
Average or market dependent
Above average
Return Rate
From rent or property sale
From rental income during the usufruct period
Ownership Type
Depends on the opportunity
Pre-determined in the usufruct contract with growth potential
Risk Level
Tenant defaults, market fluctuations, maintenance costs and violations if any, expropriation risks
Tenant defaults, expropriation risks
Distribution Type
Rental income and capital gains (property value appreciation)
Full rental value including additional profit
Target Segment
For investors seeking exceptional returns with strategic understanding of growing locations
For investors seeking sustainable returns
Investor Reviews on Ghanem
We seek to empower owners and individuals by building new real estate markets.
"The app concept is great and easy to use. I now have diverse options for property ownership and participation"
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Abdulrahman Al-Saeed
"The clarity of the process and easy access to properties with all their details is something special for me. I expect a big future for Ghanem"
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Khalid Al-Suloum
"I used to be worried about real estate investment, but now the concept is easy and clear, and customer service is always available and explained everything to me"
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Mohammed Al-Rashid
"As an investor looking for diversification and risk reduction, Ghanem's approach offers asset diversification with different properties, and the app is easy to use"
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Noura Al-Jasser
Ghanem App is Available on theApp Store Now