Abstract
References
- 'Ahmad Muhamad Hisham Eabd Allah, Almaswuwliat Aleaqdiat Lilmumawilf fi Eaqd Altamwil Aleaqarii. Dirasat Qanuniat Muqaranati, Almajalat Alqanunia (Majalat Mutakhasisat fi Aldirasat Walbuhuth Alqanuniati),
- 'Abu Zid, Muhamad, Atifaq Altamwil Aleaqarii Kaliat Litanshit Suq Aleaqarat Almabniat - Tu2 Bidun Nashir -2007
- Altamwil Almaswuwl Alsaadir Min Albank Almarkazii Aleumani, Anzur Https://Cbo.Gov.Om
- Alhasan Alealaji, 'Iishkaliat Aleard Almusbaq Wahaqu Almustahlik fi Muhlat Altafkir Waltabsir fi Eaqd Alqard Aleaqari, Bahath Manshur fi Majalat Albwghaz Lildirasat Alqanuniat Walqadayiyat Aleadad 12 Fibrayir 2021m.
- Aljaefari, 'Usamat Shihab Walrabiei, Salam Eabd Allah. (2007). Alhimayat Altashrieiat Lilmustahlik fi Eaqd Altamwil Aleaqarii (Dirasat Muqaranati), Bahath Manshur fi Majalat Almuhaqiq Alhuli Lileulum Alqanuniat Walsiyasiat Jamieat Babil Kuliyat Alqanuni, Aleiraqi, Almujalad 9 Aleadad 3.
- Alshahrani, 'Ahmad Saeid, Alnizam Alqanuniu Lieaqd Altamwil Aleaqari, Risalatan Muqadimat Lilhusul Ealaa Darajat Aldukturah fi Alhuquqi, Jamieat Alqahirat Kuliyat Alhuquq 2012m.
- Alghafri, 'Ahmad Bin Eali Bin Hamdan, Alhimayat Aljazayiyat Lilmustahlik fi Alqanunayi Aleamani, Risalat Majistir fi Alhuquq -Jamieat Alsultan Qabus, Qism Alqanun Aleami, Qanun Jazayiyun 2017m.
- Alearabiu Bilhaji, Mushkilat Almarhalat Alsaabiqat Ealaa Altaeaqud fi Daw' Alqanun Almadanii Aljazayirii, Dirasat Muqaranat - Diwan Almatbueat - Aljamieiat Aljazayar- 2011m.
- Alzadjaliati, Munaa Bint Musaa, Alhimayat Almadaniat Lilmustahlik fi Almarhalat Alsaabiqat Ealaa Abram Aleaqda, Risalatan Muqadimatan Liaistikmal Mutatalibat Alhusul Ealaa Darajat Almajistir fi Alqanun Kuliyat Alhuquqi, Jamieat Alsultan Qabus, Saltanat Eaman, 2008m.
- Altayib Jarbue Wakhar, Muhlat Altafkir Aliat Lihimayat Almustahliki, Manshur fi Almajalat Al'akadimiat Lilbuhuth Alqanuniat Walsiyasiat -Almujalad (5), Aleadad (2), 2021m.
- Almansuri, Yulwaa Eumar Rashid, Himayat Almustahlik fi Daw' Alailtizam Qabl Altaeaqudii Bial'iielami, Dirasatan Tahliliatan fi Alqanun Alamarati- 'Utruhat Majistir -Jamiet Alamarat Alearabiat Almutahidat Kuliyat Alqanuni, Qism Alqanun Alkhasa, 2022m.
- Blihisabi Alhusaynu, 'Asas Alialtizam Bitabsir Almustahlik Wamuzaharati. Almajalat Almaghribiat Liliaqtisad Walqanun Aleadad 4, 2001m.
- Buqtat, Fatimat Alzahra', Almaswuwliat Almadaniat Lilbank Almuqrid fi Muajahat Aleamil. Bahath Manshur fi Majalat 'Abhath Qanuniat Wasiasiatin, Aleadad Althaalithi.
- Bu Alkur Ra fi qa (2018), Alailtizam Bi'iielam Alzubun Almustahlik fi Majal Alqurud Albankiati. Bahath Manshur fi Majalat Dafatir Alsiyasat Walqanun Aleadad (18), 2018m.
- Zidan, 'Ahmad Jamal, Atifaq Altamwil Aleaqarii Bayn Alnazariat Waltatbiqi, Dar Alnahdat Alearabiat T 1 2023m
- Eabd Albaqi Eumar Muhamad, Alhimaayt Aleaqdiat Lilmustahlik T 2, Al'iiskandariatu, Munsha'at Almaearifi, 2008m. - Eabd Alhaq Qrims, Almaswuwliat Almadaniat Lilbunuk fi Majal Alhisabat Albanka. Risalat Dukturah fi Qanun Al'aemali, Kuliyat Alhuquqi, Jamieat Qisntinata, 2011m.
- Eumar Muhamad Eabd Albaqi, Alhimayat Aleaqdiat Lilmustahliki, Dirasat Muqaranat Bayn Alsharieat Walqanuni. Munsha'at Almaearif Al'iiskandiriati, 2004m.
- Ealay Bulhit Bin Biwkhamis, Alqawaeid Aleamit Lihimayit Almistahaluk Walmiswuwliat Almutaratibit Eanhaa Fay Altashrie Aljazayiri, Dar Alhudaa Liltibaeat Walnashr Waltawziei, Aljazayar, 2000m.
- Zidan, 'Ahmad Jamal, Atifaq Altamwil Aleaqarii Bayn Alnazariat Waltatbiqi, Dar Alnahdat Alearabiat T 1, 2023m.
- Muasasat Alnaqd Alearabii Alsaeudiu Bialmamlakat Alearabiat Alsaeudiat Manshur Aeraf Huquqak Qabl Tawqie Eaqd Altamwil Aleaqari.
CLIENT RIGHTS BEFORE CONCLUDING A REAL ESTATE FINANCING CONTRACT IN ISLAMIC BANKS IN THE SULTANATE OF OMAN
Abstract
This study addressed the subject of the customer's rights before concluding a real estate financing contract in Islamic banks in the Sultanate of Oman. The study aims to clarify the position of Omani legislation and the judiciary on determining the right to protect the customer's rights, before concluding a financing contract related to real estate in Islamic banks in the Sultanate of Oman, by extrapolating and analyzing the comparative legal rules in the legislation under study. Addressing the opinions of jurists and judicial rulings, as they are two sources of interpretation of the law. Clarifying the solutions and proposals provided by jurisprudence, while relying on judicial rulings; as they are the main document in clarifying the practical application of the issue. The study adopted the inductive and analytical approaches, and the study concluded with the following results: The pre-contractual stage is one of the most important stages in the formation of the contract. At this stage, the nature of each party to the contract becomes clear, as well as the extent of its ability to commit and its knowledge and awareness of its rights and obligations. At this stage, the greatest burden falls on the financing party; in providing the customer with all the data and information required to complete the contract. The financing party is also responsible at this stage; Many duties of importance to the client, which are considered rights that guarantee him protection against the risks of making a mistake, and prevent the conclusion of the financing contract hastily and rashly, the effects of which quickly reflect seriously on the client's financial status, which is embodied in the difficulty of payment and in the burdensome implementation. The financing party is not free to manage the real estate financing process absolutely; due to the economic importance of the real estate financing contract. Legal legislation, banking customs and traditions impose many obligations on it, necessitated by the need to control the risks associated with this process, which are at the same time the client's rights that the financier must observe in accordance with the legislation regulating it.
References
- 'Ahmad Muhamad Hisham Eabd Allah, Almaswuwliat Aleaqdiat Lilmumawilf fi Eaqd Altamwil Aleaqarii. Dirasat Qanuniat Muqaranati, Almajalat Alqanunia (Majalat Mutakhasisat fi Aldirasat Walbuhuth Alqanuniati),
- 'Abu Zid, Muhamad, Atifaq Altamwil Aleaqarii Kaliat Litanshit Suq Aleaqarat Almabniat - Tu2 Bidun Nashir -2007
- Altamwil Almaswuwl Alsaadir Min Albank Almarkazii Aleumani, Anzur Https://Cbo.Gov.Om
- Alhasan Alealaji, 'Iishkaliat Aleard Almusbaq Wahaqu Almustahlik fi Muhlat Altafkir Waltabsir fi Eaqd Alqard Aleaqari, Bahath Manshur fi Majalat Albwghaz Lildirasat Alqanuniat Walqadayiyat Aleadad 12 Fibrayir 2021m.
- Aljaefari, 'Usamat Shihab Walrabiei, Salam Eabd Allah. (2007). Alhimayat Altashrieiat Lilmustahlik fi Eaqd Altamwil Aleaqarii (Dirasat Muqaranati), Bahath Manshur fi Majalat Almuhaqiq Alhuli Lileulum Alqanuniat Walsiyasiat Jamieat Babil Kuliyat Alqanuni, Aleiraqi, Almujalad 9 Aleadad 3.
- Alshahrani, 'Ahmad Saeid, Alnizam Alqanuniu Lieaqd Altamwil Aleaqari, Risalatan Muqadimat Lilhusul Ealaa Darajat Aldukturah fi Alhuquqi, Jamieat Alqahirat Kuliyat Alhuquq 2012m.
- Alghafri, 'Ahmad Bin Eali Bin Hamdan, Alhimayat Aljazayiyat Lilmustahlik fi Alqanunayi Aleamani, Risalat Majistir fi Alhuquq -Jamieat Alsultan Qabus, Qism Alqanun Aleami, Qanun Jazayiyun 2017m.
- Alearabiu Bilhaji, Mushkilat Almarhalat Alsaabiqat Ealaa Altaeaqud fi Daw' Alqanun Almadanii Aljazayirii, Dirasat Muqaranat - Diwan Almatbueat - Aljamieiat Aljazayar- 2011m.
- Alzadjaliati, Munaa Bint Musaa, Alhimayat Almadaniat Lilmustahlik fi Almarhalat Alsaabiqat Ealaa Abram Aleaqda, Risalatan Muqadimatan Liaistikmal Mutatalibat Alhusul Ealaa Darajat Almajistir fi Alqanun Kuliyat Alhuquqi, Jamieat Alsultan Qabus, Saltanat Eaman, 2008m.
- Altayib Jarbue Wakhar, Muhlat Altafkir Aliat Lihimayat Almustahliki, Manshur fi Almajalat Al'akadimiat Lilbuhuth Alqanuniat Walsiyasiat -Almujalad (5), Aleadad (2), 2021m.
- Almansuri, Yulwaa Eumar Rashid, Himayat Almustahlik fi Daw' Alailtizam Qabl Altaeaqudii Bial'iielami, Dirasatan Tahliliatan fi Alqanun Alamarati- 'Utruhat Majistir -Jamiet Alamarat Alearabiat Almutahidat Kuliyat Alqanuni, Qism Alqanun Alkhasa, 2022m.
- Blihisabi Alhusaynu, 'Asas Alialtizam Bitabsir Almustahlik Wamuzaharati. Almajalat Almaghribiat Liliaqtisad Walqanun Aleadad 4, 2001m.
- Buqtat, Fatimat Alzahra', Almaswuwliat Almadaniat Lilbank Almuqrid fi Muajahat Aleamil. Bahath Manshur fi Majalat 'Abhath Qanuniat Wasiasiatin, Aleadad Althaalithi.
- Bu Alkur Ra fi qa (2018), Alailtizam Bi'iielam Alzubun Almustahlik fi Majal Alqurud Albankiati. Bahath Manshur fi Majalat Dafatir Alsiyasat Walqanun Aleadad (18), 2018m.
- Zidan, 'Ahmad Jamal, Atifaq Altamwil Aleaqarii Bayn Alnazariat Waltatbiqi, Dar Alnahdat Alearabiat T 1 2023m
- Eabd Albaqi Eumar Muhamad, Alhimaayt Aleaqdiat Lilmustahlik T 2, Al'iiskandariatu, Munsha'at Almaearifi, 2008m. - Eabd Alhaq Qrims, Almaswuwliat Almadaniat Lilbunuk fi Majal Alhisabat Albanka. Risalat Dukturah fi Qanun Al'aemali, Kuliyat Alhuquqi, Jamieat Qisntinata, 2011m.
- Eumar Muhamad Eabd Albaqi, Alhimayat Aleaqdiat Lilmustahliki, Dirasat Muqaranat Bayn Alsharieat Walqanuni. Munsha'at Almaearif Al'iiskandiriati, 2004m.
- Ealay Bulhit Bin Biwkhamis, Alqawaeid Aleamit Lihimayit Almistahaluk Walmiswuwliat Almutaratibit Eanhaa Fay Altashrie Aljazayiri, Dar Alhudaa Liltibaeat Walnashr Waltawziei, Aljazayar, 2000m.
- Zidan, 'Ahmad Jamal, Atifaq Altamwil Aleaqarii Bayn Alnazariat Waltatbiqi, Dar Alnahdat Alearabiat T 1, 2023m.
- Muasasat Alnaqd Alearabii Alsaeudiu Bialmamlakat Alearabiat Alsaeudiat Manshur Aeraf Huquqak Qabl Tawqie Eaqd Altamwil Aleaqari.
Details
| Primary Language | English |
|---|---|
| Subjects | Islamic Economy |
| Journal Section | Articles |
| Authors | |
| Early Pub Date | August 24, 2024 |
| Publication Date | September 5, 2024 |
| Submission Date | July 15, 2024 |
| Acceptance Date | August 6, 2024 |
| Published in Issue | Year 2024Volume: 10 Issue: 29 |
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