Fatwa ID: 08715

 

 

Answered by: Maulana Sakib Shadman

 

Question:

 

Can I take a house on mortgage for living? Currently I am living in a rental house with my family (4 members total); though I can afford the rent but it is very much high (£1,650 per month) and consuming a substantial portion of my salary. This per month money is kind of a waste of money each month. Can I buy one house on UK mortgage so that I can save this money and use it for a better purpose such as for visiting back to home country and other family needs. Please guide.

 

For info: I am came to the UK from 6 months ago and have not any property here, I have one house in home country which is currently locked as no one is there to look after and want to sale that house. The money I took through selling of this house can be used as a down payment for the house that I want to buy in the UK but still it will be not enough and I will not be able to buy home without mortgage.

 

 

 

In the name of Allah, the Most Gracious, the Most Merciful

 

 

Answer:

 

It is not permissible to take an interest-bearing loan in order to finance the purchase your first home. It is important for you to completely avoid Ribā (usury), as Allah Ta‘ālā has issued a severe warning to those who deal in Ribā:

 

فَإِن لَّمۡ تَفۡعَلُوا۟ فَأۡذَنُوا۟ بِحَرۡبࣲ مِّنَ ٱللَّهِ وَرَسُولِهِۦۖ
 [Surah Al-Baqarah: 279]

 “And if you do not (give up Ribā), then be informed of a war [against you] from Allah and His Messenger.”

 

 

You may believe that taking an interest-bearing loan will save you money. However, if you do take such a Harām loan, you will find that Allah Ta‘ālā will deprive your wealth of blessings, as He says in the Holy Qur’ān:

 

یَمۡحَقُ ٱللَّهُ ٱلرِّبَوٰا۟ وَیُرۡبِی ٱلصَّدَقَـٰتِۗ
 [Surah Al-Baqarah: 276]

 “Allah destroys interest (i.e. He removes the barakah from such wealth so that you and your family cannot truly benefit from it) and gives increase for charities.”

 

 

If you feel that you must purchase a home through financing, the better alternative is to take a loan from a Shariah-compliant Islamic financial institution. The UK likely offers several Shariah-compliant financing options for the Muslim community. Please consult your local ‘Ulamā’ so they may advise you on which home financing option is Shariah-compliant. This is the best option for you considering your circumstances.

 

 

 

References:

 

تفسير الجلالين

﴿یَمۡحَقُ ٱللَّهُ ٱلرِّبَوٰا۟﴾ يُنْقِصهُ وَيُذْهِب بَرَكَته ﴿وَیُرۡبِی ٱلصَّدَقَـٰتِۗ﴾ يَزِيدهَا وَيُنَمِّيهَا وَيُضَاعِف ثَوَابهَا ﴿وَٱللَّهُ لَا یُحِبُّ كُلَّ كَفَّارٍ﴾ بِتَحْلِيلِ الرِّبَا ﴿أَثِیمٍ ۝٢٧٦﴾ فَاجِر بأكله أي يعاقبه

 

وَمِنْهَا {لا تَأْكُلُوا الرِّبَا} [آل عمران: ١٣٠] وَالْمُرَادُ مِنْهُ فِيهَا نَفْسُ الزَّائِدِ فِي بَيْعِ الْأَمْوَالِ الرِّبَوِيَّةِ عِنْدَ بَيْعِ بَعْضِهَا بِجِنْسِهِ، وَفِي الْمِعْرَاجِ ذَكَرَ اللَّهُ لِآكِلِ الرِّبَا خَمْسَ عُقُوبَاتٍ أَحَدُهَا التَّخَبُّطُ قَالَ تَعَالَى {لا يَقُومُونَ إِلا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ} [البقرة: ٢٧٥] .

——–

ص137 – كتاب البحر الرائق شرح كنز الدقائق ومنحة الخالق وتكملة الطوري – باب الربا – المكتبة الشاملة

 

وَالْأَصْلُ فِيهِ الْحَدِيثُ الْمَشْهُورُ وَهُوَ قَوْلُهُ ﵊ «الْحِنْطَةُ بِالْحِنْطَةِ مِثْلًا بِمِثْلٍ يَدًا بِيَدٍ، وَالْفَضْلُ رِبًا» وَعَدَّ الْأَشْيَاءَ السِّتَّةَ: الْحِنْطَةَ وَالشَّعِيرَ وَالتَّمْرَ وَالْمِلْحَ وَالذَّهَبَ وَالْفِضَّةَ عَلَى هَذَا الْمِثَالِ.

——–

ص4 – كتاب فتح القدير للكمال بن الهمام ط الحلبي – باب الربا – المكتبة الشاملة

 

وَرُوِيَ أَنَّ رَسُولَ اللَّهِ ﷺ «كَتَبَ إلَى مَجُوسِ هَجَرَ: إمَّا أَنْ تَذَرُوا الرِّبَا، أَوْ تَأْذَنُوا بِحَرْبٍ مِنْ اللَّهِ وَرَسُولِهِ» ، وَهَذَا فِي نِهَايَةِ الْوَعِيدِ فَيَدُلُّ عَلَى نِهَايَةِ الْحُرْمَةِ وَاَللَّهُ ﷾ أَعْلَمُ.

——–

ص193 – كتاب بدائع الصنائع في ترتيب الشرائع – فصل في شرائط جريان الربا في البيع – المكتبة الشاملة

 

(وَالثَّانِي): الْمَحْقُ قَالَ اللَّهُ تَعَالَى: {يَمْحَقُ اللَّهُ الرِّبَا} [البقرة: ٢٧٦]. وَالْمُرَادُ: الْهَلَاكُ وَالِاسْتِيصَالُ، وَقِيلَ: ذَهَابُ الْبَرَكَةِ وَالِاسْتِمْتَاعِ؛ حَتَّى لَا يَنْتَفِعَ هُوَ بِهِ وَلَا وَلَدُهُ بَعْدَهُ. (وَالثَّالِثُ): الْحَرْبُ. قَالَ اللَّهُ تَعَالَى: {فَأْذَنُوا بِحَرْبٍ مِنْ اللَّهِ وَرَسُولِهِ.} [البقرة: ٢٧٩] وَالْمَعْنَى مِنْ الْقِرَاءَةِ بِالْمَدِّ: أَعْلِمُوا النَّاسَ أَكَلَةَ الرِّبَا أَنَّكُمْ حَرْبُ اللَّهِ وَرَسُولِهِ بِمَنْزِلَةِ قُطَّاعِ

——–

ص109 – كتاب المبسوط للسرخسي – أنواع الربا – المكتبة الشاملة

 

 

 

Only Allah (عز و جل) knows best.

Written by Maulana Sakib Shadman

Checked and approved by Mufti Mohammed Tosir Miah

Darul Ifta Birmingham