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Old 11-07-2013, 04:24 PM   #10921
Happy Monkey
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Islam prohibits lending money for interest, and there are particular setups that allow loans to be made without violating that prohibition.
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Old 11-07-2013, 04:46 PM   #10922
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Originally Posted by DanaC View Post
It won't carry interest charges. That would count as usury.


Really interesting wiki article about it: http://en.wikipedia.org/wiki/Islamic_banking
Yeah, I ain't about to read all that rfn...How does "Guidance Residential" make money on an interest-free home loan? In a sentence. Or two.
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Old 11-07-2013, 04:46 PM   #10923
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This thread has been going for nine and a half years.
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Old 11-07-2013, 04:49 PM   #10924
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Originally Posted by Gravdigr View Post
Yeah, I ain't about to read all that rfn...How does "Guidance Residential" make money on an interest-free home loan? In a sentence. Or two.
There are a few different ways. One way is, rather than loaning you the money to buy a house, they buy the house on your behalf and then you pay them back for it, whilst they retain ownership until the debt is cleared. They make the profit by selling the house to you at higher than the asking price - instead of their profit coming through interest it comes directly from the sale.

There's more to it than that, but we've reached the limits of my ability to understand bank stuffs.
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Old 11-07-2013, 04:57 PM   #10925
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Sounds like the difference between dope, and weed.

So, it's semantics, then?
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Old 11-07-2013, 04:57 PM   #10926
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Thanks for the info, Dana.
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Old 11-07-2013, 05:23 PM   #10927
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Originally Posted by Gravdigr View Post
Sounds like the difference between dope, and weed.

So, it's semantics, then?
Depends on how they calculate the difference in price. There's no compound interest. I would guess that the price difference is usually less than what one would pay in interest on an interest-bearing loan over 30 years, with the tradeoff that paying off early has little to no benefit.
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Old 11-07-2013, 11:07 PM   #10928
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Quote:
Originally Posted by DanaC View Post
There are a few different ways. One way is, rather than loaning you the money to buy a house, they buy the house on your behalf and then you pay them back for it, whilst they retain ownership until the debt is cleared. They make the profit by selling the house to you at higher than the asking price - instead of their profit coming through interest it comes directly from the sale.

There's more to it than that, but we've reached the limits of my ability to understand bank stuffs.
you're too modest, this is actually a solid gold explanation. excellent!
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Old 11-09-2013, 10:13 AM   #10929
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Thanks, HapMo.
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Old 11-10-2013, 12:21 PM   #10930
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Originally Posted by Gravdigr View Post
Sounds like the difference between dope, and weed.

So, it's semantics, then?
That's enough of your anti semantic comments, sir.
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Old 11-10-2013, 12:44 PM   #10931
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That's enough of your anti semantic comments, sir.
How can anyone be anti semantic ?
Without semantics there wouldn't be any babies.
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Old 11-10-2013, 04:09 PM   #10932
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I'm a rabid anti-semant.
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Old 11-11-2013, 08:07 AM   #10933
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C'mon what kind of world would that be, no bridges, highways, or damns. Think man! Think of the...
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Old 11-15-2013, 08:52 AM   #10934
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I saw this video making the rounds over on Facebook.



I like Geena Davis, but this is like a really bad Saturday Night Live skit that causes you to turn off the TV and go to bed. She makes so many awkward gags that I was left wondering if the whole thing was made up. Is she for real? Is this really a thing? Or is it all a joke? I'd like some actual empirical data and a link to a study or something to back up the claims. What does donating money even do? Fund a new movie? Is she fighting for the children, or for actresses looking for voice roles? So many questions. This video is one big WTF for me.

Last edited by glatt; 11-15-2013 at 03:50 PM.
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Old 11-15-2013, 09:17 AM   #10935
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"Yeah see, Timmy...."

One of my favorite actresses, ever since I saw her in a tv comedy series many years ago.
I first noticed Geena Davis because that she is quite tall AND she stands up straight !
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