{"id":40288,"date":"2026-01-26T11:47:04","date_gmt":"2026-01-26T11:47:04","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=40288"},"modified":"2026-01-27T11:13:48","modified_gmt":"2026-01-27T11:13:48","slug":"ruling-on-purchasing-a-residential-house-in-the-uk-through-an-interest-based-mortgage-due-to-high-rent-necessity","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/ruling-on-purchasing-a-residential-house-in-the-uk-through-an-interest-based-mortgage-due-to-high-rent-necessity\/","title":{"rendered":"Ruling On Purchasing A Residential House In The UK Through An Interest-Based Mortgage Due To High Rent & Necessity"},"content":{"rendered":"

Fatwa ID: 08715<\/strong><\/span><\/p>\n

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Answered by: Maulana Sakib Shadman<\/strong><\/span><\/p>\n

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Question:<\/strong><\/span><\/p>\n

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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 (\u00a31,650 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.<\/span><\/p>\n

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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.<\/span><\/p>\n

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In the name of Allah, the Most Gracious, the Most Merciful<\/strong><\/span><\/p>\n

\u00a0<\/strong><\/span><\/p>\n

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Answer:<\/strong><\/span><\/p>\n

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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 Rib\u0101 (usury), as Allah Ta\u2018\u0101l\u0101 has issued a severe warning to those who deal in Rib\u0101:<\/span><\/p>\n

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\u0641\u064e\u0625\u0650\u0646 \u0644\u0651\u064e\u0645\u06e1 \u062a\u064e\u0641\u06e1\u0639\u064e\u0644\u064f\u0648\u0627\u06df \u0641\u064e\u0623\u06e1\u0630\u064e\u0646\u064f\u0648\u0627\u06df \u0628\u0650\u062d\u064e\u0631\u06e1\u0628\u08f2 \u0645\u0651\u0650\u0646\u064e \u0671\u0644\u0644\u0651\u064e\u0647\u0650 \u0648\u064e\u0631\u064e\u0633\u064f\u0648\u0644\u0650\u0647\u0650\u06e6\u06d6<\/span>
\n\u00a0[Surah Al-Baqarah: 279]<\/span><\/p>\n

\u00a0\u201cAnd if you do not (give up Rib\u0101), then be informed of a war [against you] from Allah and His Messenger.\u201d<\/em><\/span><\/p>\n

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You may believe that taking an interest-bearing loan will save you money. However, if you do take such a Har\u0101m loan, you will find that Allah Ta\u2018\u0101l\u0101 will deprive your wealth of blessings, as He says in the Holy Qur\u2019\u0101n:<\/span><\/p>\n

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\u06cc\u064e\u0645\u06e1\u062d\u064e\u0642\u064f \u0671\u0644\u0644\u0651\u064e\u0647\u064f \u0671\u0644\u0631\u0651\u0650\u0628\u064e\u0648\u0670\u0627\u06df \u0648\u064e\u06cc\u064f\u0631\u06e1\u0628\u0650\u06cc \u0671\u0644\u0635\u0651\u064e\u062f\u064e\u0642\u064e\u0640\u0670\u062a\u0650\u06d7<\/span>
\n\u00a0[Surah Al-Baqarah: 276]<\/span><\/p>\n

\u00a0\u201cAllah 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<\/em>.\u201d<\/span><\/p>\n

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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 \u2018Ulam\u0101\u2019 so they may advise you on which home financing option is Shariah-compliant. This is the best option for you considering your circumstances.<\/span><\/p>\n

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References:<\/strong><\/span><\/p>\n

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\u062a\u0641\u0633\u064a\u0631 \u0627\u0644\u062c\u0644\u0627\u0644\u064a\u0646<\/span><\/p>\n

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——–<\/span><\/p>\n

\u0635137 – \u0643\u062a\u0627\u0628 \u0627\u0644\u0628\u062d\u0631 \u0627\u0644\u0631\u0627\u0626\u0642 \u0634\u0631\u062d \u0643\u0646\u0632 \u0627\u0644\u062f\u0642\u0627\u0626\u0642 \u0648\u0645\u0646\u062d\u0629 \u0627\u0644\u062e\u0627\u0644\u0642 \u0648\u062a\u0643\u0645\u0644\u0629 \u0627\u0644\u0637\u0648\u0631\u064a – \u0628\u0627\u0628 \u0627\u0644\u0631\u0628\u0627 – \u0627\u0644\u0645\u0643\u062a\u0628\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629<\/span><\/p>\n

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\u0648\u064e\u0627\u0644\u0652\u0623\u064e\u0635\u0652\u0644\u064f \u0641\u0650\u064a\u0647\u0650 \u0627\u0644\u0652\u062d\u064e\u062f\u0650\u064a\u062b\u064f \u0627\u0644\u0652\u0645\u064e\u0634\u0652\u0647\u064f\u0648\u0631\u064f \u0648\u064e\u0647\u064f\u0648\u064e \u0642\u064e\u0648\u0652\u0644\u064f\u0647\u064f \ufd4a \u00ab\u0627\u0644\u0652\u062d\u0650\u0646\u0652\u0637\u064e\u0629\u064f \u0628\u0650\u0627\u0644\u0652\u062d\u0650\u0646\u0652\u0637\u064e\u0629\u0650 \u0645\u0650\u062b\u0652\u0644\u064b\u0627 \u0628\u0650\u0645\u0650\u062b\u0652\u0644\u064d \u064a\u064e\u062f\u064b\u0627 \u0628\u0650\u064a\u064e\u062f\u064d\u060c \u0648\u064e\u0627\u0644\u0652\u0641\u064e\u0636\u0652\u0644\u064f \u0631\u0650\u0628\u064b\u0627\u00bb \u0648\u064e\u0639\u064e\u062f\u0651\u064e \u0627\u0644\u0652\u0623\u064e\u0634\u0652\u064a\u064e\u0627\u0621\u064e \u0627\u0644\u0633\u0651\u0650\u062a\u0651\u064e\u0629\u064e: \u0627\u0644\u0652\u062d\u0650\u0646\u0652\u0637\u064e\u0629\u064e \u0648\u064e\u0627\u0644\u0634\u0651\u064e\u0639\u0650\u064a\u0631\u064e \u0648\u064e\u0627\u0644\u062a\u0651\u064e\u0645\u0652\u0631\u064e \u0648\u064e\u0627\u0644\u0652\u0645\u0650\u0644\u0652\u062d\u064e \u0648\u064e\u0627\u0644\u0630\u0651\u064e\u0647\u064e\u0628\u064e \u0648\u064e\u0627\u0644\u0652\u0641\u0650\u0636\u0651\u064e\u0629\u064e \u0639\u064e\u0644\u064e\u0649 \u0647\u064e\u0630\u064e\u0627 \u0627\u0644\u0652\u0645\u0650\u062b\u064e\u0627\u0644\u0650.<\/span><\/p>\n

——–<\/span><\/p>\n

\u06354 – \u0643\u062a\u0627\u0628 \u0641\u062a\u062d \u0627\u0644\u0642\u062f\u064a\u0631 \u0644\u0644\u0643\u0645\u0627\u0644 \u0628\u0646 \u0627\u0644\u0647\u0645\u0627\u0645 \u0637 \u0627\u0644\u062d\u0644\u0628\u064a – \u0628\u0627\u0628 \u0627\u0644\u0631\u0628\u0627 – \u0627\u0644\u0645\u0643\u062a\u0628\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629<\/span><\/p>\n

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——–<\/span><\/p>\n

\u0635193 – \u0643\u062a\u0627\u0628 \u0628\u062f\u0627\u0626\u0639 \u0627\u0644\u0635\u0646\u0627\u0626\u0639 \u0641\u064a \u062a\u0631\u062a\u064a\u0628 \u0627\u0644\u0634\u0631\u0627\u0626\u0639 – \u0641\u0635\u0644 \u0641\u064a \u0634\u0631\u0627\u0626\u0637 \u062c\u0631\u064a\u0627\u0646 \u0627\u0644\u0631\u0628\u0627 \u0641\u064a \u0627\u0644\u0628\u064a\u0639 – \u0627\u0644\u0645\u0643\u062a\u0628\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629<\/span><\/p>\n

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(\u0648\u064e\u0627\u0644\u062b\u064e\u0651\u0627\u0646\u0650\u064a): \u0627\u0644\u0652\u0645\u064e\u062d\u0652\u0642\u064f \u0642\u064e\u0627\u0644\u064e \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u062a\u064e\u0639\u064e\u0627\u0644\u064e\u0649: {\u064a\u064e\u0645\u0652\u062d\u064e\u0642\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u0627\u0644\u0631\u0650\u0651\u0628\u064e\u0627} [\u0627\u0644\u0628\u0642\u0631\u0629: \u0662\u0667\u0666]. \u0648\u064e\u0627\u0644\u0652\u0645\u064f\u0631\u064e\u0627\u062f\u064f: \u0627\u0644\u0652\u0647\u064e\u0644\u064e\u0627\u0643\u064f \u0648\u064e\u0627\u0644\u0650\u0627\u0633\u0652\u062a\u0650\u064a\u0635\u064e\u0627\u0644\u064f\u060c \u0648\u064e\u0642\u0650\u064a\u0644\u064e: \u0630\u064e\u0647\u064e\u0627\u0628\u064f \u0627\u0644\u0652\u0628\u064e\u0631\u064e\u0643\u064e\u0629\u0650 \u0648\u064e\u0627\u0644\u0650\u0627\u0633\u0652\u062a\u0650\u0645\u0652\u062a\u064e\u0627\u0639\u0650\u061b \u062d\u064e\u062a\u064e\u0651\u0649 \u0644\u064e\u0627 \u064a\u064e\u0646\u0652\u062a\u064e\u0641\u0650\u0639\u064e \u0647\u064f\u0648\u064e \u0628\u0650\u0647\u0650 \u0648\u064e\u0644\u064e\u0627 \u0648\u064e\u0644\u064e\u062f\u064f\u0647\u064f \u0628\u064e\u0639\u0652\u062f\u064e\u0647\u064f. (\u0648\u064e\u0627\u0644\u062b\u064e\u0651\u0627\u0644\u0650\u062b\u064f): \u0627\u0644\u0652\u062d\u064e\u0631\u0652\u0628\u064f. \u0642\u064e\u0627\u0644\u064e \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u062a\u064e\u0639\u064e\u0627\u0644\u064e\u0649: {\u0641\u064e\u0623\u0652\u0630\u064e\u0646\u064f\u0648\u0627 \u0628\u0650\u062d\u064e\u0631\u0652\u0628\u064d \u0645\u0650\u0646\u0652 \u0627\u0644\u0644\u064e\u0651\u0647\u0650 \u0648\u064e\u0631\u064e\u0633\u064f\u0648\u0644\u0650\u0647\u0650.} [\u0627\u0644\u0628\u0642\u0631\u0629: \u0662\u0667\u0669] \u0648\u064e\u0627\u0644\u0652\u0645\u064e\u0639\u0652\u0646\u064e\u0649 \u0645\u0650\u0646\u0652 \u0627\u0644\u0652\u0642\u0650\u0631\u064e\u0627\u0621\u064e\u0629\u0650 \u0628\u0650\u0627\u0644\u0652\u0645\u064e\u062f\u0650\u0651: \u0623\u064e\u0639\u0652\u0644\u0650\u0645\u064f\u0648\u0627 \u0627\u0644\u0646\u064e\u0651\u0627\u0633\u064e \u0623\u064e\u0643\u064e\u0644\u064e\u0629\u064e \u0627\u0644\u0631\u0650\u0651\u0628\u064e\u0627 \u0623\u064e\u0646\u064e\u0651\u0643\u064f\u0645\u0652 \u062d\u064e\u0631\u0652\u0628\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u0650 \u0648\u064e\u0631\u064e\u0633\u064f\u0648\u0644\u0650\u0647\u0650 \u0628\u0650\u0645\u064e\u0646\u0652\u0632\u0650\u0644\u064e\u0629\u0650 \u0642\u064f\u0637\u064e\u0651\u0627\u0639\u0650<\/span><\/p>\n

——–<\/span><\/p>\n

\u0635109 – \u0643\u062a\u0627\u0628 \u0627\u0644\u0645\u0628\u0633\u0648\u0637 \u0644\u0644\u0633\u0631\u062e\u0633\u064a – \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0631\u0628\u0627 – \u0627\u0644\u0645\u0643\u062a\u0628\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

Only Allah (\u0639\u0632 \u0648 \u062c\u0644) knows best.<\/span><\/p>\n

Written by Maulana Sakib Shadman<\/span><\/p>\n

Checked and approved by Mufti Mohammed Tosir Miah<\/span><\/p>\n

Darul Ifta Birmingham<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Fatwa ID: 08715     Answered by: Maulana Sakib Shadman   Question:   Can I take a house on mortgage for living? Currently I am…<\/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":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40288"}],"collection":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=40288"}],"version-history":[{"count":3,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40288\/revisions"}],"predecessor-version":[{"id":40314,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/40288\/revisions\/40314"}],"wp:attachment":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=40288"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=40288"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=40288"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}