Conventional and Islamic finance of home purchase : mortgage

السؤال

Dear Brother Monzer, First of all, Baraka Allahou Fik for your kind answer. Second, here is the context : I'm French / Tunisian citizen who works and lives in France (Lille / North of France). One year ago, based on my understanding of Sheikh al Qaradawi and the Imam of my mosque interpretations of home mortgage, I bought a home in Tunisia. The bank is located in Tunisia and the loan is based on interest. (My wife and I brought almost 50 % of the home cost). Tunisia is my home town and having a home there was important at least for my retirement (Inch Allah) my understanding was that since it is my first home, given the inexistence of any Islamic bank (from a business to consumer perspective) in Tunisia or in France, I would be able to do so since I comprehend owing a home as a necessity. At the same time, I live in France where I'm renting an apartment. The apartment that I'll be renting (once I'll get back next June In Sha Allah) will be around 800 / 850 € / month (equivalent of 1120 US $ / 1190 US $) and there is a high probability that I'll spend the rest of my academic career in France (so the next 26 years Inch Allah). In France, I heard that one bank may open an Islamic branch but this is not 100 % certain for the moment. I tried to contact the Islamic bank of Great Britain about having an Islamic loan in France but got no answer and thought consequently that it is hard or unfeasible. Third, here is my question : Given what precedes, am I allowed to buy a home as my main residence in France through mortgage home with interest ? Finally, thanks so much for you accepting to answer my specific question Baraka Allahou Fik Mohamed

جواب الفتوى

أنقر هنالمشاهدة هذا المحتوى

تاريخ النشر

2010-01-31

التخصصات الرئيسية

العلوم المالية و المحاسبية
الدراسات الإسلامية

الموضوعات

• الفقه الإسلامي
• الإسكان
• التمويل
• القروض
• الشراء
• الممتلكات العقارية
• شركات التمويل التجاري
• الربا
• الرهن العقاري

عدد الصفحات

2

نوع البيانات

فتاوى

لغة النص

الإنجليزية

رقم السجل

BIM-734920

• APA
• MLA
• AMA