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Fatawa

Financing house purchase in the west : buying a house on mortgage

Question: I live with my husband in us we live in rent apartment we are planning to bay a house we have 20 % cash money for the price of this house. Now we pay about 800 $ monthly as rent ....

Subjects: Housing; Islamic jurisprudence; Purchasing; Subprime mortgage

Fatawa

Variable interest and interest under other names, prize bonds and accounts : variable and fixed interest

Question: Is fixed amount of interest Haram or Halal ?.

Subjects: Islamic jurisprudence; Taboos; Usury

Laws

The blueprint of Islamic banking in Indonesia.

Donor award: Indonesia

Subjects: Indonesia; Banks; Islam; Islamic jurisprudence; Law

Fatawa

Buying share, stocks and mutual funds : trading mutual funds

Question: As-Salamu `Alaykum, I want to ask you can we buy or sell mutual funds in North America when you do not know these big companies get loans or dealing with other companies are interest based but their main stream business ....

Subjects: Commerce; Islamic jurisprudence; Mutual funds

Fatawa

Price differentiation and discrimination : price differentiation between residents and foreigners

Question: As-Salamu Alaykum Wa Rahmatullahi Wa Barakaatuh. In the name of Allah, most gracious, most merciful. Thank you for your wonderful service. I have recently visited an Arab country that is mainly Muslim. I noticed that there are posted prices for ....

Subjects: Foreigners; Islamic jurisprudence; Monopolies; Price policy; Prices

Fatawa

Alternatives to interest : buying a computer on installments

Question: Salam Alaykum. Is it permitted to by a computer by installment on a fixed interest over certain amount.

Subjects: Computers; Installment sales; Islamic jurisprudence; Usury

Fatawa

Objectives of lottery and gambling : prohibition of lottery even with a charitable cause

Question: IS the lottery, Halal or Haram lottery money goes to help cancer Organizations, hospital and other good causes. They give one third as a winning price the rest goes to help the community and ETC..

Subjects: Charities; Gambling; Islamic jurisprudence; Lotteries; Taboos

Fatawa

Studying and working in the other financial firms and the financial sector : working in investment companies

Question: As-Salamu `Alaykum, I want to ask you : can we buy or sell mutual funds in North America when you do not know these big companies get loans or dealing with other companies are interest based but their main stream ....

Subjects: Labour; Mutual funds

Fatawa

Interest loans to buy a car : a loan for a luxury car

Question: I had made a loan with interest for luxury product (a nice car) and I want to know if there is any possibility to be forgiven. Salam Alaikum.

Subjects: Purchasing; Usury

Fatawa

Students loans : student loan before reverting to Islam

Question: Assalamu Alaikum~Questions about the permissibility of taking student loans with interest have been asked many times. This assumes that the student loan has not already been taken. In my case, I reverted to Islam well into my college career, after ....

Subjects: Education; Loans; Students

Fatawa

Financing house purchase in the west : buying a house in Canada : [3]

Question: Assalamu Alaykum I have read the Fatwa by the European council (headed by Shaikh Qaradawi) about buying a house by mortgage. But I am not really sure if I can take it in my case or not : 1-I am ....

Subjects: Canada; Housing; Islamic jurisprudence; Sales

Fatawa

Are pension plans permissible ? aren’t they a kind of insurance ? : beneficiary of pension

Question: Assalamu Alaikum I would please like to know what the Shari'ah ruling is on inheritance if-a divorced man dies-he leaves behind his parents and one son-he has not left a will-according to the law of the country his son is ....

Subjects: Inheritance; Insurance; Islamic jurisprudence; Pensions

Fatawa

Inheritance of property illegally obtained : gifts and inheritance of Kickbaks

Question: Dear Scholars, Assalamu Alaikum ! i have a very strange question for you. My father passed away a several years back and before that there was a reasonable amount of money which was given to me for safe keeping. This ....

Subjects: Endowments; Inheritance

Fatawa

Working in network marketing with pyramid commissions : chain commission in networking business

Question: Dear Muslim scholars, Assalamu 'Alaykum : JazakumuAllau Khayran for your efforts in answering the Muslim concerns. A friend introduced me a way to do business without opening a store or etc. ; he explained to me that the business will ....

Subjects: Business; Islamic jurisprudence; Teleshopping

Fatawa

Interest loans to buy a car : car loan from employer at lower interest rates

Question: My office provides car loan for member of staff payable in five years. The loan is to enable the staff purchase a car. The problem with this loan is that anybody that takes the loan will pay the principal and ....

Subjects: Purchasing; Usury

Fatawa

Students loans : student loans taken before reverting to Islam

Question: I owe thousands of dollars in student loans. At the time I got them I felt pressured so that I could stay in school. I had just taken my Shahadah and although I knew that interest was Haram I did ....

Subjects: Education; Loans; Students

Fatawa

Accepting credit cards payments by Muslim mechants : accepting credit cards by merchants and the percentage paid to credit cards issuers

Question: First, Assalamu Alaykum Warahmatulahi Wabarakatuhu ? Secondly, I have the following question I manage small taxi company, owned by an association of Muslim Brothers ; my taxi drivers are obligated to accept credit cards by law. I have to provide, ....

Subjects: Credit cards; Entrepreneurs; Payments; Taxicabs

Fatawa

Replacing interest financing by Islamic financing

Question: My parents are divorced since I was 4 years old and I have been living with my mother in my grand-fathers house with my aunts and cousins. Today, after about 25 years, my mother can no longer bear this life ....

Subjects: Usury

Fatawa

Avoiding taxes by using the system’s loopholes : avoiding declaring custom-taxable items

Question: Assalamu Alaikum, brothers and sisters in Islam. I would like to have the scholar's opinion in this point. In my country owning, a receiver means paying a certain amount of fee annually to the government, which is not done in ....

Subjects: Administrative fees; Commissions; Islamic jurisprudence; Taxes

Fatawa

Avoiding taxes by using the system’s loopholes : avoiding tax on interest earned

Question: Dear Sir, I am wondering about what Islam says on me, where a friend of mine put his money on my account with interest. I don’t make any benefit of this money. The use of that for my friend that ....

Subjects: Islamic jurisprudence; Taxes; Usury

Fatawa

Partnership with non-Muslims who may indulge with interest : interest earned by non-Muslim wife

Question: Assalamu Alaikum : can my wife who is Christian place money from her income and money I give her in an interest bearing account like a bank cd ? can she then use that interest to give her family ? ....

Subjects: Dhimmies; Islamic jurisprudence; Married women; Usury

Fatawa

Partnership with non-Muslims who may indulge with interest : earning interest for another person !

Question: Dear Sir, I am wondering about what Islam says on me, where a friend of mine put his money on my account with interest. I don’t make any benefit of this money. The use of that for my friend that ....

Subjects: Islamic jurisprudence; Taxes; Usury

Fatawa

Prohibition of Riba and its rationale : how can Muslims avoid Riba ?

Question: Dear Shaikh Salam Alaikum. One of most boiling questions we have in mind of a Muslim is about Riba / interest. While always the Muslim scholars have only interpreted the word Riba and said it’s Haram. In current world context ....

Subjects: Islamic jurisprudence; Muslims; Usury

Fatawa

Examples of lack of justifying needs : renting part of a house purchased on mortgage

Question: Following to my question about mortgage that I sent 2 days ago which is still awaiting for reply ; I would like to add the following : if it is ok for me to buy a house by mortgage, is ....

Subjects: Dwellings; Housing; Islamic jurisprudence; Purchasing; ٌLeasing

Fatawa

Pension schemes : are pension schemes permissible ?

Question: Assalamu Alaykum, taking out a stake-holder pension scheme or any other kind of pension where you have to contribute certain amount of money for your retirement, is it allowed in Islam ?.

Subjects: Islamic jurisprudence; Pensions

Fatawa

Bankruptcy : declaring bankruptcy

Question: Assalamu Alaikum. I have benefited from your Fatwas and advice. It is a very useful service, please continue and Allah give you Barakat in the effort. My question is about some loans one my credit cards. I have borrowed some ....

Subjects: Bankruptcy; Credit cards; Islamic jurisprudence; Loans

Fatawa

Working in conventional banks : auditing banks and their interest transactions

Question: I'm working as an auditor in one of the auditing firms. We do audit different kinds of firms and organizations including banks. My questions are : (1) Is auditing firms that have deposits that take interest from bank Haram ? ....

Subjects: Auditing; Banks; Labour

Fatawa

Not paying credit cards debts : declaring bankruptcy to avoid payment of credit cards balances

Question: Assalamu Alequm I have benefited from your Fatawa and advice. It is a very useful service. Please continue and Allah gives you Barakat in the effort. My question is about some loans on my credit cards. I have borrowed some ....

Subjects: Bankruptcy; Credit cards; Debts; Islamic jurisprudence; Loans

Fatawa

Can banks operate without interest (Riba)‎

Question: 1. I know that Riba is a sin. But how should banks operates if they don't take interests ?2. I was planning to start my business but the only way of acquiring capital at the moment is by taking a ....

Subjects: Banks; Islamic Banks; Usury

Fatawa

Prohibition of Riba and its rationale : can banks operate without interest ?

Question: 1. I know that Riba is a sin. But how should banks operates if they don't take interests ? 2. I was planning to start my business but the only way of acquiring capital at the moment is by taking ....

Subjects: Banks; Islamic jurisprudence; Usury

Fatawa

Studying insurance and working in insurance companies : working in insurance companies on commission

Question: Dear scholars, As-Salaam `Alaykum. I have a question on working with insurance company. I want to know : is it Haram or Halal, if I work for an insurance company on commission basis which deals in term life and property ....

Subjects: Administrative fees; Commissions; Insurance companies

Fatawa

Interest-based loans to run or save business : interest loans to salvage business or to expand it

Question: This question is regarding dealing with interest based business finance and whether it is allowed for a Muslim business person to involve in such finance if a) they reach a situation where if they do not get such finance the ....

Subjects: Financing; Loans; Usury

Fatawa

Distribution of estate : inheritance of children of deceased child

Question: Assalamu Alaikum ! My question is regarding estate distribution. Our family has got a land which my grandfather had bought long before. My father has expired 11 years back i. e. before my grandfather. My grandfather also expired some 7 ....

Subjects: Children; Grandparents; Inheritance; Islamic jurisprudence

Fatawa

Alternatives to interest : interest and return on savings and investment

Question: Dear Monser Kahf Assalamu Alaikum I want to know about Riba I am reading the glorious Quran and the interest mentioned there is on lending of capital and charging interest as banks do. But I want to know about the ....

Subjects: Investments; Islamic jurisprudence; Profits; Savings; Usury

Fatawa

Buying houses in non-Muslim countries : buying a land for a house on Riba in India

Question: Assalamu Alaikum ! Is it permissible to take loan from banks / financial institutions / housing development board / for purchasing land and constructing a house wherein interest is involved ? Thank You..

Subjects: Financial institutions; Housing; Islamic jurisprudence; Loans; Purchasing

Fatawa

Financing house purchase in the west : buying a house on mortgage in the USA : [1]

Question: Assalamu Alaikum, My question is about buying house by mortgage. I want to explain how these financial transactions happen in the US. The bank buys the house from the seller, then I make fixed payments every month to the bank ....

Subjects: Islamic jurisprudence; Subprime mortgage; Transactions

Fatawa

Options in stocks, commodities and currencies : trading options

Question: Is buying options in currency trading is Halal ???? For your information in buying options you have to invest money and you will buy options for a period of 2 months and they set a target to reach for example. ....

Subjects: Islamic jurisprudence; Money; Options (Finance)

Fatawa

Sale of gold, silver and currencies, the conditions of sarf : trade in currencies

Question: Can one make use of this fluctuation in currency exchange, so that I exchange my USD to Euro and vice versa and make some profit, is this Halal..

Subjects: Commerce; Gold; Islamic jurisprudence; Sales; Silver

Fatawa

Miscellanious on interest : do you pay Zakah on interest mixed with own money ?

Question: Assalamu Alaikum may al mighty Allah reward you for your valuable work for Islam. My NRE account money is mixed with interest but I am not using the interest. Inorder to avoid mix up the interest with actual money I ....

Subjects: Alms tax; Islamic jurisprudence; Money; Payments; Usury

Fatawa

Interest loans to buy other goods : buying furniture on interest, is repentance sufficient ?

Question: Assalamu Alaikum, I took a loan from a bank to buy some furniture. I feel so bad because I did not realize by then that I am contributing to a "Riba". I still have about 3 years to pay off ....

Subjects: Furniture; Loans; Usury

Fatawa

Interest-based loans to establish business : interest loan to buy a business

Question: Assalamu Alaykum brother, I have a dilemma I am facing in my life. I am about to complete my Bachelors but have not found anything in my field. All I can do is get a job requiring no experience where ....

Subjects: Business; Islamic jurisprudence; Loans; Usury

Fatawa

Examples of lack of justifying needs : buying a house on mortgage to be near Islamic school

Question: Assalamu Alaikum I'm new in Canada, living in Mississauga which is full of mosques, Islamic schools and big Muslim community. I have some money so I can buy house without bank mortgage but it will be too far from this ....

Subjects: Housing; Islamic jurisprudence; Purchasing; Subprime mortgage

Fatawa

Studying insurance and working in insurance companies : studying and working as actuarial

Question: Asalam Alay Kum Wa Rahmatulahi Wabarakata Hu My friend is studying acturial Sciencesat University as his degree. As far as i understand it, the degree is not Haram itself but he intends to become an Actuary in the future. Please ....

Subjects: Insurance companies

Fatawa

Variable interest and interest under other names, prize bonds and accounts : commission on fixed deposits

Question: Assalamu Alaikum, I have a question regarding financial matters. I wanted to inquire about 'fixed deposits' because they earn interest as well e. g. from HSBC. I've heard that special Muslims banks offer something called 'commission' which seems like interest!! ....

Subjects: Mutual funds

Fatawa

Interest loans to buy a car : buying a car on interest : [2]

Question: Assalamu Alaikum, We know that giving and acceptation of interest is prohibited in Islam. But if there is any exception for it, that is, we will get vehicles for loan having interest. We want to pay an excess amount which ....

Subjects: Purchasing; Usury

Fatawa

Students loans : interest-based student loans

Question: Bismillah Salaamu Alaikum, I am a college student and was able to get full scholarship, nor do I have enough money to pay out right. Are there any rulings on students in the west taking out federal loans ?.

Subjects: Education; Loans; Students

Fatawa

Prohibition of Riba and its rationale : why is interest prohibited ?

Question: My question is : in what way is interest provided by banks Haram. A banker said that the money deposited in a PLS saving account is used in business by the bank and if it gets profit, it is given ....

Subjects: Banks; Usury

Fatawa

What to do with earned interest ? : using interest to pay interest : [2]

Question: Assalamu Alaikum. My family has a mortgage on our house as we have no other means of purchasing it in the UK. We pay interest to the bank on this loan. I had an idea to put my money in ....

Subjects: Payments; Usury

Fatawa

Buying necessary property on interest : buying a property on mortgage to save one’s business

Question: Assalamu Alaikum WW, I have a question about mortgage. A friend of my mine owned a restaurant business and he is paying $ 1300 rent. Now the owner of the property wants to sell the property and my friend is ....

Subjects: Islamic jurisprudence; Purchasing; Real property; Subprime mortgage

Fatawa

Financing house purchase in the west : buying a house in UK : [2]

Question: Assalamu Alaikum. My family has a mortgage on our house as we have no other means of purchasing it in the UK. We pay interest to the bank on this loan. I had an idea to put my money in ....

Subjects: Housing; Islamic jurisprudence; Purchasing; United Kingdom

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