{"id":5551,"date":"2026-03-18T10:56:33","date_gmt":"2026-03-18T10:56:33","guid":{"rendered":"https:\/\/halal-lease.be\/financieringsvorm\/"},"modified":"2026-05-06T15:00:38","modified_gmt":"2026-05-06T15:00:38","slug":"forme-de-financement","status":"publish","type":"page","link":"https:\/\/halal-lease.be\/fr\/forme-de-financement\/","title":{"rendered":"Forme de financement"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5551\" class=\"elementor elementor-5551 elementor-5074\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3a265 e-con-full e-flex e-con e-parent\" data-id=\"2b3a265\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d845623 e-flex e-con-boxed e-con e-child\" data-id=\"d845623\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-060a6b6 e-con-full e-flex e-con e-child\" data-id=\"060a6b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3b9cf50 e-con-full e-flex e-con e-child\" data-id=\"3b9cf50\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb8c506 elementor-widget elementor-widget-image\" data-id=\"fb8c506\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2633240887.jpg\" class=\"attachment-full size-full wp-image-5461\" alt=\"\" srcset=\"https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2633240887.jpg 1600w, https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2633240887-300x200.jpg 300w, https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2633240887-1024x683.jpg 1024w, https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2633240887-768x512.jpg 768w, https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2633240887-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-321bbd5 e-con-full e-flex e-con e-child\" data-id=\"321bbd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2111fa7 elementor-widget elementor-widget-tf-title-section\" data-id=\"2111fa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tf-title-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"tf-title-section-2111fa7\" class=\"tf-title-section tf-split-text style1\" data-tabid=\"2111fa7\"> \r\n\t\t\t\t\r\n\t\t\t\t<div class=\"title-section\">\r\n\t\t\t\t\t<div class=\"subtitle\">Ijara wa Iqtina \/ \u0625\u062c\u0627\u0631\u0629 \u0648\u0625\u0642\u062a\u0646\u0627\u0621<\/div>\r\n\t\t\t\t\t<h2 class=\"heading\" data-splitting>INT\u00c9R\u00caT ISLAMIQUE AVEC OPTION D\u2019ACHAT<\/h2>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>                \r\n            <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51517a2 elementor-widget elementor-widget-text-editor\" data-id=\"51517a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nous proposons une formule de financement conforme \u00e0 la charia, avec une option d\u2019achat \u00e0 la fin de la dur\u00e9e du contrat. Elle combine l\u2019usage d\u2019un v\u00e9hicule ou d\u2019une machine (Ijara) avec une possibilit\u00e9 d\u2019achat halal (Iqtina). Enti\u00e8rement sans int\u00e9r\u00eat (riba) ni incertitude (gharar).  <\/p><p>Ijara signifie \u00ab location \u00bb. Le processus conforme \u00e0 la charia est connu sous le nom d\u2019Ijara wa Iqtina, ce qui signifie : location avec option d\u2019achat ou \u00ab louer pour acheter \u00bb. Cette forme de financement convient aussi bien au mat\u00e9riel roulant qu\u2019aux machines. <\/p><p>En payant chaque mois un remboursement fixe, vous constituez progressivement la propri\u00e9t\u00e9 et devenez, \u00e0 la fin de la location, propri\u00e9taire \u00e0 100 %.<\/p><p>La principale diff\u00e9rence avec un contrat de location classique ? Avec ce financement, vous b\u00e9n\u00e9ficiez toujours d\u2019une option d\u2019achat. Vous avez donc le droit de lever cette option d\u2019achat, mais vous n\u2019y \u00eates pas juridiquement oblig\u00e9.  <\/p><p>Des m\u00e9thodes d\u2019amortissement traditionnelles sont utilis\u00e9es pour calculer le remboursement exact. Ce calcul est conforme \u00e0 la charia et donc enti\u00e8rement sans int\u00e9r\u00eat. L\u2019investisseur per\u00e7oit chaque mois une part de b\u00e9n\u00e9fice via les paiements de location.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42df1bc elementor-widget elementor-widget-spacer\" data-id=\"42df1bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21e3a9e e-flex e-con-boxed e-con e-parent\" data-id=\"21e3a9e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd01f44 elementor-widget elementor-widget-text-editor\" data-id=\"bd01f44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<style>\n  .hl-calc {\n    font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif;\n    background: #ffffff;\n    border: 1px solid #e0e0e0;\n    border-radius: 8px;\n    padding: 36px 40px;\n    max-width: 620px;\n    margin: 0 auto;\n    color: #1a1a1a;\n    text-align: center;\n  }\n  .hl-calc h2 {\n    font-size: 1.45rem;\n    color: #1a1a1a;\n    margin: 0 0 28px 0;\n    font-weight: 700;\n    line-height: 1.3;\n    text-transform: uppercase;\n    letter-spacing: 0.05em;\n  }\n  .hl-calc-row { margin-bottom: 20px; }\n  .hl-calc-row label {\n    display: block;\n    font-size: 0.8rem;\n    letter-spacing: 0.05em;\n    text-transform: uppercase;\n    color: #555;\n    margin-bottom: 8px;\n    font-weight: 600;\n  }\n  .hl-calc-row input[type=\"number\"] {\n    width: 100%;\n    background: #f7f7f7;\n    border: 1px solid #d0d0d0;\n    border-radius: 6px;\n    padding: 11px 14px;\n    color: #1a1a1a;\n    font-size: 1rem;\n    font-family: inherit;\n    box-sizing: border-box;\n    transition: border-color 0.2s;\n    outline: none;\n    text-align: center;\n  }\n  .hl-calc-row input[type=\"number\"]:focus { border-color: #c8a84b; }\n  .hl-calc-row input[type=\"number\"]::placeholder { color: #aaa; }\n  .hl-btn-group { display: flex; flex-wrap: wrap; gap: 8px; justify-content: center; }\n  .hl-btn-group button {\n    background: #f7f7f7;\n    border: 1px solid #d0d0d0;\n    border-radius: 6px;\n    color: #333;\n    font-family: inherit;\n    font-size: 0.88rem;\n    padding: 8px 14px;\n    cursor: pointer;\n    transition: background 0.15s, border-color 0.15s, color 0.15s;\n  }\n  .hl-btn-group button.active,\n  .hl-btn-group button:hover {\n    background: #c8a84b;\n    border-color: #c8a84b;\n    color: #ffffff;\n    font-weight: 600;\n  }\n  .hl-divider { border: none; border-top: 1px solid #e8e8e8; margin: 24px 0; }\n  .hl-result {\n    background: #fdf8ee;\n    border: 1px solid #c8a84b;\n    border-radius: 8px;\n    padding: 22px 26px;\n    display: none;\n    text-align: center;\n  }\n  .hl-result.visible { display: block; }\n  .hl-result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 20px; }\n  .hl-result-item label {\n    font-size: 0.72rem; letter-spacing: 0.05em; text-transform: uppercase;\n    color: #555; display: block; margin-bottom: 3px; font-weight: 600;\n  }\n  .hl-result-item span { font-size: 1rem; color: #1a1a1a; font-weight: 700; }\n  .hl-result-item.big span { font-size: 1.6rem; color: #c8a84b; }\n  .hl-result-item.full { grid-column: 1 \/ -1; }\n  .hl-note { font-size: 0.72rem; color: #888; margin-top: 16px; line-height: 1.5; }\n  .hl-cta {\n    display: inline-block; margin-top: 20px; background: #c8a84b; color: #ffffff;\n    font-family: inherit; font-size: 0.88rem; font-weight: 700; letter-spacing: 0.06em;\n    text-transform: uppercase; padding: 12px 28px; border-radius: 6px;\n    text-decoration: none; border: none; cursor: pointer; transition: background 0.2s;\n  }\n  .hl-cta:hover { background: #a08828; }\n  .hl-overlay {\n    display: none; position: fixed; top: 0; left: 0;\n    width: 100%; height: 100%; background: rgba(0,0,0,0.6);\n    z-index: 99999; justify-content: center; align-items: center;\n    padding: 20px; box-sizing: border-box;\n  }\n  .hl-overlay.open { display: flex; }\n  .hl-modal {\n    background: #fff; border-radius: 12px; padding: 36px;\n    max-width: 520px; width: 100%; position: relative;\n    box-shadow: 0 20px 60px rgba(0,0,0,0.3); max-height: 90vh; overflow-y: auto;\n  }\n  .hl-modal-close {\n    position: absolute; top: 16px; right: 20px; font-size: 1.4rem;\n    background: none; border: none; cursor: pointer; color: #888; line-height: 1;\n  }\n  .hl-modal-close:hover { color: #333; }\n  .hl-modal h3 { font-size: 1.2rem; font-weight: 700; margin: 0 0 6px 0; color: #1a1a1a; }\n  .hl-modal p.sub { font-size: 0.85rem; color: #777; margin: 0 0 24px 0; }\n  .hl-form-row { margin-bottom: 16px; }\n  .hl-form-row label {\n    display: block; font-size: 0.78rem; font-weight: 600;\n    text-transform: uppercase; letter-spacing: 0.05em; color: #555; margin-bottom: 6px;\n  }\n  .hl-form-row input, .hl-form-row select {\n    width: 100%; padding: 10px 14px; border: 1px solid #d0d0d0;\n    border-radius: 6px; font-size: 0.95rem; font-family: inherit;\n    background: #f7f7f7; color: #1a1a1a; box-sizing: border-box; outline: none;\n  }\n  .hl-form-row input:focus, .hl-form-row select:focus { border-color: #c8a84b; background: #fff; }\n  .hl-form-two { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }\n  .hl-form-phone { display: grid; grid-template-columns: 110px 1fr; gap: 10px; }\n  .hl-checkbox-row {\n    display: flex; align-items: flex-start; gap: 10px; margin-bottom: 16px;\n    font-size: 0.9rem; color: #333; cursor: pointer; line-height: 1.4;\n  }\n  .hl-checkbox-row input[type=\"checkbox\"] {\n    width: 18px; height: 18px; cursor: pointer; accent-color: #c8a84b;\n    flex-shrink: 0; margin-top: 1px;\n  }\n  .hl-form-submit {\n    width: 100%; padding: 13px; background: #c8a84b; color: #fff;\n    border: none; border-radius: 6px; font-size: 1rem; font-weight: 700;\n    font-family: inherit; cursor: pointer; margin-top: 8px; transition: background 0.2s;\n  }\n  .hl-form-submit:hover { background: #a08828; }\n  .hl-form-submit:disabled { background: #ccc; cursor: not-allowed; }\n  .hl-success { text-align: center; padding: 20px 0; }\n  .hl-success .hl-check { font-size: 3rem; color: #c8a84b; margin-bottom: 12px; }\n  .hl-success h3 { font-size: 1.2rem; font-weight: 700; margin: 0 0 8px; }\n  .hl-success p { font-size: 0.9rem; color: #666; margin: 0; }\n  .hl-error-msg { color: #c0392b; font-size: 0.78rem; margin-top: 4px; }\n  .hl-summary {\n    background: #fdf8ee; border: 1px solid #e8d9a0; border-radius: 8px;\n    padding: 14px 16px; margin-bottom: 24px; font-size: 0.82rem; color: #555;\n    display: grid; grid-template-columns: 1fr 1fr; gap: 6px 16px;\n  }\n  .hl-summary span { font-weight: 700; color: #1a1a1a; }\n\n  .hl-upload-section {\n    display: none;\n    background: #fafafa;\n    border: 1px solid #e0e0e0;\n    border-radius: 8px;\n    padding: 18px 20px;\n    margin: 8px 0 16px 0;\n  }\n  .hl-upload-section.open { display: block; }\n  .hl-upload-section .hl-upload-intro {\n    font-size: 0.82rem; color: #666; margin: 0 0 14px 0; line-height: 1.5;\n  }\n  .hl-upload-row { margin-bottom: 12px; }\n  .hl-upload-row > label {\n    display: block; font-size: 0.78rem; font-weight: 600;\n    text-transform: uppercase; letter-spacing: 0.04em; color: #555; margin-bottom: 6px;\n  }\n  .hl-upload-row .hl-upload-field {\n    display: flex; align-items: center; gap: 10px;\n    background: #fff; border: 1px dashed #c0c0c0; border-radius: 6px;\n    padding: 8px 12px; font-size: 0.85rem;\n  }\n  .hl-upload-row input[type=\"file\"] {\n    flex: 1; font-size: 0.82rem; font-family: inherit; color: #555;\n    border: none; background: transparent; padding: 0;\n  }\n  .hl-upload-row .hl-upload-status {\n    font-size: 0.78rem; font-weight: 600; white-space: nowrap;\n  }\n  .hl-upload-row .hl-upload-status.ok { color: #2e7d32; }\n  .hl-upload-row .hl-upload-status.busy { color: #888; }\n  .hl-upload-row .hl-upload-status.err { color: #c0392b; }\n\n  @media (max-width: 480px) {\n    .hl-calc { padding: 24px 20px; }\n    .hl-result-grid { grid-template-columns: 1fr; }\n    .hl-result-item.full { grid-column: 1; }\n    .hl-modal { padding: 24px 20px; }\n    .hl-form-two { grid-template-columns: 1fr; }\n  }\n<\/style>\n\n<div class=\"hl-calc\">\n  <h2>Calculez votre financement sans int&eacute;r&ecirc;ts<\/h2>\n\n  <div class=\"hl-calc-row\">\n    <label>Montant d&rsquo;achat HT (&euro;)<\/label>\n    <input id=\"hl-prijs\" min=\"1000\" step=\"500\" type=\"number\" placeholder=\"ex. 39000\" \/>\n  <\/div>\n\n  <div class=\"hl-calc-row\">\n    <label>Dur&eacute;e choisie (mois)<\/label>\n    <div id=\"hl-termijn\" class=\"hl-btn-group\">\n      <button data-val=\"24\">24<\/button>\n      <button data-val=\"36\">36<\/button>\n      <button data-val=\"48\">48<\/button>\n      <button class=\"active\" data-val=\"60\">60<\/button>\n      <button data-val=\"72\">72<\/button>\n    <\/div>\n  <\/div>\n\n  <div class=\"hl-calc-row\">\n    <label>Premier loyer major&eacute; (%)<\/label>\n    <div id=\"hl-evh\" class=\"hl-btn-group\">\n      <button data-val=\"5\">5%<\/button>\n      <button class=\"active\" data-val=\"10\">10%<\/button>\n      <button data-val=\"15\">15%<\/button>\n      <button data-val=\"20\">20%<\/button>\n      <button data-val=\"25\">25%<\/button>\n      <button data-val=\"30\">30%<\/button>\n      <button data-val=\"35\">35%<\/button>\n      <button data-val=\"40\">40%<\/button>\n    <\/div>\n  <\/div>\n\n  <div class=\"hl-calc-row\">\n    <label>Option d&rsquo;achat en fin de location (%)<\/label>\n    <div id=\"hl-afkoop\" class=\"hl-btn-group\">\n      <button data-val=\"5\">5%<\/button>\n      <button data-val=\"10\">10%<\/button>\n      <button class=\"active\" data-val=\"15\">15%<\/button>\n      <button data-val=\"20\">20%<\/button>\n    <\/div>\n  <\/div>\n\n  <hr class=\"hl-divider\" \/>\n\n  <div id=\"hl-resultaat\" class=\"hl-result\">\n    <div class=\"hl-result-grid\">\n      <div class=\"hl-result-item\"><label>Montant d&rsquo;achat HT<\/label><span id=\"r-prijs\">&mdash;<\/span><\/div>\n      <div class=\"hl-result-item\"><label>Premier loyer major&eacute;<\/label><span id=\"r-evh\">&mdash;<\/span><\/div>\n      <div class=\"hl-result-item\"><label>Dur&eacute;e<\/label><span id=\"r-termijn\">&mdash;<\/span><\/div>\n      <div class=\"hl-result-item\"><label>Option d&rsquo;achat en fin de location<\/label><span id=\"r-afkoop\">&mdash;<\/span><\/div>\n      <div class=\"hl-result-item full big\"><label>Loyer mensuel HT<\/label><span id=\"r-maand\">&mdash;<\/span><\/div>\n    <\/div>\n    <p class=\"hl-note\">* Ce calcul est indicatif et sans int&eacute;r&ecirc;ts (riba), conforme aux principes de la Charia. Les montants sont hors TVA. Les tarifs d&eacute;finitifs sont confirm&eacute;s apr&egrave;s analyse du dossier.<\/p>\n    <button id=\"hl-open-form\" class=\"hl-cta\">Lancez votre financement halal &rarr;<\/button>\n  <\/div>\n<\/div>\n\n<div id=\"hl-overlay\" class=\"hl-overlay\">\n  <div class=\"hl-modal\">\n    <button id=\"hl-modal-close\" class=\"hl-modal-close\">&times;<\/button>\n\n    <div id=\"hl-form-content\">\n      <h3>Demande de financement<\/h3>\n      <p class=\"sub\">Remplissez vos coordonn&eacute;es ci-dessous et nous vous contacterons.<\/p>\n\n      <div class=\"hl-summary\">\n        <div>Montant d&rsquo;achat&nbsp;: <span id=\"s-prijs\">&mdash;<\/span><\/div>\n        <div>Dur&eacute;e&nbsp;: <span id=\"s-termijn\">&mdash;<\/span><\/div>\n        <div>Premier loyer&nbsp;: <span id=\"s-evh\">&mdash;<\/span><\/div>\n        <div>Option d&rsquo;achat&nbsp;: <span id=\"s-afkoop\">&mdash;<\/span><\/div>\n        <div style=\"grid-column: 1\/-1;\">Loyer mensuel&nbsp;: <span id=\"s-maand\" style=\"color: #c8a84b; font-size: 1.05rem;\">&mdash;<\/span><\/div>\n      <\/div>\n\n      <div class=\"hl-form-two\">\n        <div class=\"hl-form-row\"><label>Nom *<\/label><input id=\"hl-lastname\" type=\"text\" placeholder=\"Dupont\" \/><\/div>\n        <div class=\"hl-form-row\"><label>Pr&eacute;nom *<\/label><input id=\"hl-firstname\" type=\"text\" placeholder=\"Ahmed\" \/><\/div>\n      <\/div>\n\n      <div class=\"hl-form-row\"><label>E-mail *<\/label><input id=\"hl-email\" type=\"email\" placeholder=\"ahmed@entreprise.be\" \/><\/div>\n\n      <div class=\"hl-form-row\">\n        <label>T&eacute;l&eacute;phone *<\/label>\n        <div class=\"hl-form-phone\">\n          <select id=\"hl-dialcode\">\n            <option value=\"32\">BE +32<\/option>\n            <option value=\"31\">NL +31<\/option>\n            <option value=\"33\">FR +33<\/option>\n            <option value=\"49\">DE +49<\/option>\n            <option value=\"44\">UK +44<\/option>\n          <\/select>\n          <input id=\"hl-phone\" type=\"tel\" placeholder=\"478 12 34 56\" \/>\n        <\/div>\n      <\/div>\n\n      <div class=\"hl-form-row\"><label>Num&eacute;ro d&rsquo;entreprise *<\/label><input id=\"hl-onderneming\" maxlength=\"12\" type=\"text\" placeholder=\"BE 0123456789\" \/><\/div>\n\n      <div class=\"hl-form-row\">\n        <label>Type d&rsquo;objet *<\/label>\n        <select id=\"hl-object-type\">\n          <option value=\"\">&mdash; Choisissez un type &mdash;<\/option>\n          <option value=\"Car\">Voiture<\/option>\n          <option value=\"Van\">Camionnette<\/option>\n          <option value=\"Truck \/ Trailer\">Camion \/ Remorque<\/option>\n          <option value=\"Machine\">Machine<\/option>\n          <option value=\"Medical equipment\">Mat&eacute;riel m&eacute;dical<\/option>\n          <option value=\"Bus\">Autobus<\/option>\n          <option value=\"Other\">Autre<\/option>\n        <\/select>\n      <\/div>\n\n      <label class=\"hl-checkbox-row\" style=\"margin-top: 8px;\">\n        <input id=\"hl-upload-toggle\" type=\"checkbox\" \/>\n        <span>Souhaitez-vous que votre dossier soit trait&eacute; encore plus rapidement&nbsp;?<br \/>T&eacute;l&eacute;chargez vos documents ici.<\/span>\n      <\/label>\n\n      <div id=\"hl-upload-section\" class=\"hl-upload-section\">\n        <p class=\"hl-upload-intro\">Facultatif &mdash; en envoyant ces documents d&egrave;s maintenant, nous pouvons analyser votre dossier plus rapidement. Formats autoris&eacute;s&nbsp;: PDF, JPG, PNG, XLS\/XLSX (max 10 Mo par fichier).<\/p>\n\n        <div class=\"hl-upload-row\">\n          <label>Carte d&rsquo;identit&eacute; recto<\/label>\n          <div class=\"hl-upload-field\">\n            <input type=\"file\" data-key=\"identity_card\" accept=\"image\/*,application\/pdf\" \/>\n            <span class=\"hl-upload-status\" data-status=\"identity_card\"><\/span>\n          <\/div>\n        <\/div>\n\n        <div class=\"hl-upload-row\">\n          <label>Carte d&rsquo;identit&eacute; verso<\/label>\n          <div class=\"hl-upload-field\">\n            <input type=\"file\" data-key=\"id_card_back\" accept=\"image\/*,application\/pdf\" \/>\n            <span class=\"hl-upload-status\" data-status=\"id_card_back\"><\/span>\n          <\/div>\n        <\/div>\n\n        <div class=\"hl-upload-row\">\n          <label>Avertissement-extrait de r&ocirc;le priv&eacute; &#8211; toutes les pages<\/label>\n          <div class=\"hl-upload-field\">\n            <input type=\"file\" data-key=\"aanslagbiljet_prive___alle_pagina_s\" accept=\"image\/*,application\/pdf\" \/>\n            <span class=\"hl-upload-status\" data-status=\"aanslagbiljet_prive___alle_pagina_s\"><\/span>\n          <\/div>\n        <\/div>\n\n        <div class=\"hl-upload-row\">\n          <label>Chiffres du dernier exercice<\/label>\n          <div class=\"hl-upload-field\">\n            <input type=\"file\" data-key=\"cijfers_laatste_boekjaar\" accept=\"image\/*,application\/pdf,application\/vnd.ms-excel,application\/vnd.openxmlformats-officedocument.spreadsheetml.sheet\" \/>\n            <span class=\"hl-upload-status\" data-status=\"cijfers_laatste_boekjaar\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <div id=\"hl-form-error\" class=\"hl-error-msg\" style=\"display: none;\"><\/div>\n      <button id=\"hl-submit\" class=\"hl-form-submit\">Envoyer la demande<\/button>\n    <\/div>\n\n    <div id=\"hl-success-content\" class=\"hl-success\" style=\"display: none;\">\n      <div class=\"hl-check\">&check;<\/div>\n      <h3>Demande re&ccedil;ue&nbsp;!<\/h3>\n      <p>Nous vous contacterons dans les plus brefs d&eacute;lais.<\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function() {\n  var UPLOAD_ENDPOINT = \"https:\/\/halal-lease.be\/uploader\/upload.php\";\n\n  var DEFAULT_BTWAFTREKBAAR = false;\n  var DEFAULT_SCHADEVRIJ    = false;\n\n  var UPLOAD_FIELDS = [\n    \"identity_card\",\n    \"id_card_back\",\n    \"aanslagbiljet_prive___alle_pagina_s\",\n    \"cijfers_laatste_boekjaar\"\n  ];\n\n  var mr = 0.00833;\n  var _prijs = 0, _evhBedrag = 0, _termijn = 0, _afkoopBedrag = 0, _pmt = 0;\n  var _uploads = {};\n\n  function getActive(groupId) {\n    var btn = document.querySelector(\"#\" + groupId + \" button.active\");\n    return btn ? parseFloat(btn.dataset.val) : null;\n  }\n\n  function fmt(val) {\n    return \"\\u20AC\\u00a0\" + val.toLocaleString(\"fr-BE\", { minimumFractionDigits: 2, maximumFractionDigits: 2 });\n  }\n\n  function round2(val) { return Math.round(val * 100) \/ 100; }\n\n  function bereken() {\n    var prijs = parseFloat(document.getElementById(\"hl-prijs\").value);\n    var termijn = getActive(\"hl-termijn\");\n    var evhPct = getActive(\"hl-evh\");\n    var afkoopPct = getActive(\"hl-afkoop\");\n\n    if (!prijs || prijs <= 0 || !termijn || !evhPct || !afkoopPct) {\n      document.getElementById(\"hl-resultaat\").classList.remove(\"visible\");\n      return;\n    }\n\n    var evhBedrag = prijs * evhPct \/ 100;\n    var leenBedrag = prijs - 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R\\u00e9essayez ou envoyez un e-mail \\u00e0 info@halal-lease.be\";\n      errEl.style.display = \"block\";\n      btn.disabled = false;\n      btn.textContent = \"Envoyer la demande\";\n    });\n  });\n\n  [\"hl-termijn\", \"hl-evh\", \"hl-afkoop\"].forEach(function(id) {\n    document.getElementById(id).addEventListener(\"click\", function(e) {\n      if (e.target.tagName === \"BUTTON\") {\n        this.querySelectorAll(\"button\").forEach(function(b) { b.classList.remove(\"active\"); });\n        e.target.classList.add(\"active\");\n        bereken();\n      }\n    });\n  });\n\n  document.getElementById(\"hl-prijs\").addEventListener(\"input\", bereken);\n  bereken();\n})();\n<\/script>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-261e2de elementor-widget elementor-widget-tf-title-section\" data-id=\"261e2de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tf-title-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"tf-title-section-261e2de\" class=\"tf-title-section tf-split-text style1\" data-tabid=\"261e2de\"> \r\n\t\t\t\t\r\n\t\t\t\t<div class=\"title-section\">\r\n\t\t\t\t\t\r\n\t\t\t\t\t<h3 class=\"heading\" data-splitting>ACCORDS CLAIRS<\/h3>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>                \r\n            <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c95c3bd elementor-widget elementor-widget-text-editor\" data-id=\"c95c3bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p> <\/p><ul><li><strong>Sans int\u00e9r\u00eat (riba) :<\/strong> tous les paiements sont bas\u00e9s sur des co\u00fbts r\u00e9els, sans int\u00e9r\u00eats cach\u00e9s.<\/li><li><strong>Certitude (gharar) : <\/strong>l\u2019option d\u2019achat et les conditions sont clairement d\u00e9finies \u00e0 l\u2019avance.<\/li><li><strong>Transfert de propri\u00e9t\u00e9 \u00e9quitable :<\/strong> vous devenez pleinement propri\u00e9taire une fois que tous les paiements ont \u00e9t\u00e9 effectu\u00e9s.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9cd5816 e-con-full e-flex e-con e-parent\" data-id=\"9cd5816\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-252875c e-flex e-con-boxed e-con e-child\" data-id=\"252875c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-129e10f e-con-full e-flex e-con e-child\" data-id=\"129e10f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cf46a2 elementor-position-inline-start elementor-widget__width-auto elementor-absolute elementor-mobile-position-inline-start elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon-box\" data-id=\"3cf46a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPrincipes de la charia\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-768f94c elementor-position-inline-start elementor-widget__width-auto elementor-absolute elementor-hidden-mobile elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"768f94c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFinancement halal\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40e3b6f elementor-widget elementor-widget-image\" data-id=\"40e3b6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2650688159.jpg\" class=\"attachment-full size-full wp-image-5462\" alt=\"\" srcset=\"https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2650688159.jpg 1600w, https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2650688159-300x200.jpg 300w, https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2650688159-1024x683.jpg 1024w, https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2650688159-768x512.jpg 768w, https:\/\/halal-lease.be\/wp-content\/uploads\/2026\/03\/shutterstock_2650688159-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67da192 e-con-full tf-animated-item e-flex e-con e-child\" data-id=\"67da192\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae02513 elementor-widget__width-initial elementor-widget elementor-widget-tf-title-section\" data-id=\"ae02513\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tf-title-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"tf-title-section-ae02513\" class=\"tf-title-section tf-split-text style1\" data-tabid=\"ae02513\"> \r\n\t\t\t\t\r\n\t\t\t\t<div class=\"title-section\">\r\n\t\t\t\t\t<div class=\"subtitle\">PROCESSUS<\/div>\r\n\t\t\t\t\t<h2 class=\"heading\" data-splitting>COMMENT FONCTIONNE L\u2019IJARA WA IQTINA ?<\/h2>\r\n\t\t\t\t\t\r\n\t\t\t\t<\/div>                \r\n            <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ee21b4 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-tficonbox\" data-id=\"9ee21b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tficonbox.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\t\t\t<div class=\"tficonbox style2 \">\r\n\t\t\t\t\t\t\t\t\t<div class=\"wrap-icon\">\r\n\t\t\t\t\t\t<div class=\"wrap-icon-inner\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\r\n\t\t\t\t<div class=\"content\">\r\n\t\t\t\t\t<div class=\"inner\">\r\n\t\t\t\t\t\t<h3 class=\"title\">\u00c9tape 1 : Leasing halal (Ijara)<\/h3>\r\n\t\t\t\t\t\t<div class=\"description\"><p>Vous utilisez le bien moyennant une redevance mensuelle fixe. Vous \u00eates ainsi propri\u00e9taire \u00e9conomique d\u00e8s le premier jour. Vous ne payez aucun int\u00e9r\u00eat et tous les frais sont transparents et connus \u00e0 l\u2019avance.  <\/p>\n<\/div>\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8886f25 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget elementor-widget-tficonbox\" data-id=\"8886f25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tficonbox.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\t\t\t<div class=\"tficonbox style2 \">\r\n\t\t\t\t\t\t\t\t\t<div class=\"wrap-icon\">\r\n\t\t\t\t\t\t<div class=\"wrap-icon-inner\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\r\n\t\t\t\t<div class=\"content\">\r\n\t\t\t\t\t<div class=\"inner\">\r\n\t\t\t\t\t\t<h3 class=\"title\">\u00c9tape 2 : Transfert de propri\u00e9t\u00e9 (Iqtina)<\/h3>\r\n\t\t\t\t\t\t<div class=\"description\"><p>\u00c0 la fin de la p\u00e9riode de location, vous avez la possibilit\u00e9 de reprendre le bien. Cela se fait soit par un paiement unique (fix\u00e9 \u00e0 l\u2019avance, sans int\u00e9r\u00eat), soit via un plan de remboursement halal (par exemple en plusieurs \u00e9ch\u00e9ances, sans riba). <\/p>\n<\/div>\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18f1df9 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"18f1df9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/halal-lease.be\/fr\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-check-square\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm0 400H48V80h352v352zm-35.864-241.724L191.547 361.48c-4.705 4.667-12.303 4.637-16.97-.068l-90.781-91.516c-4.667-4.705-4.637-12.303.069-16.971l22.719-22.536c4.705-4.667 12.303-4.637 16.97.069l59.792 60.277 141.352-140.216c4.705-4.667 12.303-4.637 16.97.068l22.536 22.718c4.667 4.706 4.637 12.304-.068 16.971z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lancez votre financement halal<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Ijara wa Iqtina \/ \u0625\u062c\u0627\u0631\u0629 \u0648\u0625\u0642\u062a\u0646\u0627\u0621 INT\u00c9R\u00caT ISLAMIQUE AVEC OPTION D\u2019ACHAT Nous proposons une formule de financement conforme \u00e0 la charia, avec une option d\u2019achat [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-5551","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - 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