{"id":26257,"date":"2022-10-04T10:42:25","date_gmt":"2022-10-04T10:42:25","guid":{"rendered":"http:\/\/daruliftabirmingham.co.uk\/home\/?p=26257"},"modified":"2022-10-04T10:42:25","modified_gmt":"2022-10-04T10:42:25","slug":"taking-a-mortgage-due-to-an-increase-in-rent","status":"publish","type":"post","link":"http:\/\/daruliftabirmingham.co.uk\/home\/taking-a-mortgage-due-to-an-increase-in-rent\/","title":{"rendered":"Taking a Mortgage Due to an Increase in Rent"},"content":{"rendered":"<p style=\"text-align: right;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>Fatwa ID: 06283<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>Answered by: Maulana Burhaan Rahman<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong><u>Question:<\/u><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Can I enquire about mortgages if they are haram? Also, the rent in my area is equivalent to a mortgage like \u00a31000 pm. In the Uk most landlord charge above and beyond so in the end it&#8217;s like we&#8217;re paying interest as their mortgage payments are paid by my rent.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>\u00a0<\/strong><\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong><u>In the name of Allah, the Most Gracious, the Most Merciful<\/u><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong><u>Answer:<\/u><\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">The basic principle of Islam regarding interest is that it is Haram and one should avoid it as much as he\/she can as it is impermissible.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">If we were to exhaust all our options and there were ways of avoiding mortgages we can easily say things like:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Move to an area where rental rates are lower (we understand that this is easier said than done).<\/span><\/li>\n<li><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Borrow from family\/relatives\/friends until you find another place or help you with your financial situation (again easier said than done).<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"> Nowadays, some individuals in the UK can\u2019t meet the monthly rent requirements and it may be unfortunate that they are living in an area which has high rates and to move out it\u2019ll be extremely difficult. In the UK, rent prices are rising quickly, making it extremely challenging to keep up with other costs like petrol, insurance, household bills, and school expenses. Although there are some situations where taking out a mortgage is required, one should be aware that doing so is a serious sin if there isn&#8217;t a real necessity, and even if one does, one should still seek Allah for help and be aware of what they are doing. Allah is aware of every person&#8217;s situation.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">The legal maxim of Islamic law mentions:<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">\u0627\u0644\u0636\u0631\u0648\u0631\u0627\u062a \u062a\u0628\u064a\u062d \u0627\u0644\u0645\u062d\u0638\u0648\u0631\u0627\u062a<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Necessity renders prohibited things permissible.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Only Allah knows best.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Written by Maulana Burhaan Rahman<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Checked and approved by Mufti Mohammed Tosir Miah<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Darul Ifta Birmingham<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fatwa ID: 06283 &nbsp; Answered by: Maulana Burhaan Rahman &nbsp; Question: &nbsp; Can I enquire about mortgages if they are haram? Also, the rent in&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"_links":{"self":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/26257"}],"collection":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=26257"}],"version-history":[{"count":3,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/26257\/revisions"}],"predecessor-version":[{"id":26330,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/26257\/revisions\/26330"}],"wp:attachment":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=26257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=26257"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=26257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}