Fatwa ID: 07400
Answered by: Maulana Sheik Abdel Ahad Imrit
Question:
I’ve got a question. E.g Ibrahim bought a car on 0% interest finance. He was told at the time the price of the car was £35k. So he agreed to buy the car.
Whilst the deal was going on, he was told that as he was buying the car on 0% interest, the price would be £40k at the end of the finance contract in total (£11.5k deposit, £300/month for 49 months, then balloon payment at the end of the contract £14k = £40k). When he looked at the physical copy of the contract, it showed the EXTRA £5K is VAT.
In the name of Allah, the Most Gracious, the Most Merciful
Answer:
The scheme appears to be a hire purchase arrangement, which is not Shariah compliant for the following reasons:
1. There are two parallel transactions involved: one for hire and one for purchase.
2. Both contracts are interdependent and cannot be separated or independently executed.
The Prophet (peace be upon him) prohibited from two transactions within one transaction.
“The Prophet (ﷺ) said: If anyone makes two transactions combined in one bargain, he should have the lesser of the two or it will involve usury.” [Abu Dawood 3461]
«سنن أبي داود» (3/ 274 ت محيي الدين عبد الحميد):
3461 – حَدَّثَنَا أَبُو بَكْرِ بْنُ أَبِي شَيْبَةَ، عَنْ يَحْيَى بْنِ زَكَرِيَّا، عَنْ مُحَمَّدِ بْنِ عَمْرٍو، عَنْ أَبِي سَلَمَةَ، عَنْ أَبِي هُرَيْرَةَ، قَالَ: قَالَ النَّبِيُّ صلى الله عليه وسلم: «مَنْ بَاعَ بَيْعَتَيْنِ فِي بَيْعَةٍ، فَلَهُ أَوْكَسُهُمَا أَوِ الرِّبَا»
«شرح مختصر الطحاوي» للجصاص (3/ 99):
«مسألة: [البيعتين في بيعة]
قال: (ومن باع عبده من رجلا بثمن، على أن يبيعه الآخر عبد بثمن ذكراه: لم يجز البيع في واحد من بيعتي العبدين المذكورين).
وذلك “لنهي النبي صلى الله عليه وسلم عن بيعتين في بيعة”»
«المبسوط» للسرخسي (13/ 16):
«قَالَ: وَإِذَا اشْتَرَاهُ عَلَى أَنْ يُقْرِضَ لَهُ قَرْضًا أَوْ يَهَبَ لَهُ هِبَةً أَوْ يَتَصَدَّقَ عَلَيْهِ بِصَدَقَةٍ أَوْ عَلَى أَنْ يَبِيعَهُ بِكَذَا وَكَذَا مِنْ الثَّمَنِ فَالْبَيْعُ فِي جَمِيعِ ذَلِكَ فَاسِدٌ لِنَهْيِ النَّبِيِّ صلى الله عليه وسلم عَنْ بَيْعٍ وَسَلَفٍ وَعَنْ بَيْعَتَيْنِ فِي بَيْعَةٍ»
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Only Allah (عز و جل) knows best.
Written by Maulana Sheik Abdel Ahad Imrit
Checked and approved by Mufti Mohammed Tosir Miah
Darul Ifta Birmingham
