While we don't expect you to be late making your mortgage payments, from time to time it happens. We are more than happy to work with you if a life event comes up that requires your payment date to be pushed out. However, in the instance where a mortgage payment comes back NSF without notice, we will assess an NSF fee that will only recover the cost of the missed payment. Under Shariah law, penalties are in place as a moral deterrent to ensure that no party is taking advantage of the other. 100% of any penalty assessed will go to covering any associated costs; Manzil will not profit from these penalties.