Buying a house on mortgage with interest

Fatwa ID: 02310

Answered by Mufti Muhammad Adnan

Question:

What is the opinion of our respected Islamic scholars on purchasing a house with a Mortgage loan in a non-muslim country when interest may be involved as we have almost no any other option to purchase a house due to very high rates.

Answer:

Bismillah

Usury based mortgages are Haram. The Scholars who answer these questions about mortgages are from the same environment and have the same difficulties. If there was any leeway, rest assured, the Ulema would have advised their communities accordingly.

“O you who believe! Fear Allaah and give up what remains (due to you) from Ribaa (from now onward) if you are (really) believers.

Jaabir[rrahimahu]  Narrates “The Messenger of Allah ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him) cursed the one who consumes riba and the one who pays it, the one who writes it down and the two who witness it, and he said: they are all the same.”

(Muslim)

the Prophet ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him) said  “Last night, I dreamt that two men came to me and took me out to a sacred land, then we set out until we came to a river of blood in which a man was standing, and on the bank of the river there was another man in front of whom were some rocks. The man who was in the river came, and when he wanted to get out, the (other) man threw a rock in his mouth, and sent him back to where he had been. Every time he came and wanted to get out, he threw a rock into his mouth and sent him back to where he had been. I said: ‘What is this?’ He said: ‘The one who you saw in the river is the one who consumed riba.”

(Bukhari)

Only Allah knows best.

Written by Mufti Muhammad Adnan

Checked and approved by Mufti Mohammed Tosir Miah

Darul Ifta Birmingham

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