رسومات التمويل العقاري في الفقه الإسلامي

Abstract EN

Banks are generally indispensable institutions that a state or a society cannot afford to regulate economic and financial matters, but it is their operations based on forbidden benefits that create serious problems for a society committed to the provisions of Shari'a, whether individuals or groups.

There is no doubt that the housing in which the man and his family live and protect them from the free and the necessities that do not dispense with a decent life, and to achieve this need legitimate methods, and other prohibited or suspicious.

One of the ways that have spread in our time housing loans provided by real estate banks to citizens, and then meet them within the specified years, plus amounts called commissions.

To reduce the housing crisis in Iraq in general, and the Kurdistan Region in particular, as a result of the increasing population density, the government of the Territory during the previous years to provide housing finance for citizens, and if stopped recently due to deteriorating economic conditions.

There has been a dispute between the scholars of the region and others in the legitimacy of collection of those amounts called commission, and distributed opinions between permissible and prohibit, which encouraged me to submit a research called (commission of mortgage in Islamic jurisprudence (Fqih)), which is rooted in the subject, and find the right face as much as possible.

The nature of the research required its division into: an introduction, three questions and a conclusion, and a list of sources and references One of my most important findings in my research is the distinction between the actual commission that correspond to the services, which are legitimate, and between the drawings that are a curtain and an excuse to the forbidden benefits, which are prohibited.