Banky team Reviewed editorial answerIn a Murabaha transaction, the bank sells you the asset at a final price, while in a Ijarah transaction, the bank owns the asset and leases you its usufruct, with ownership potentially transferring later.
Compare ownership over the term, maintenance, coverage, and early repayment options, not just the installment amount.
The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.