What is the ruling on performing Hajj and 'Umrah through an installment system?
Machine translationRead the Arabic original
The questioner:
He says: I work for one of the companies, and we perform Hajj and 'Umrah through an installment system, meaning paying in installments. Is this permissible? May Allah reward you with good.
The Shaykh:
What is the installment system? Installments for what?
The questioner:
They pay in installments.
The Shaykh:
There is nothing wrong with that, there is nothing wrong with that, if they are paying the pilgrims the cost of Hajj in installments, because you take it as a debt in your liability and pay it to them in installments, settling it for them; there is no blame in that. But it is not the best; it is not recommended to borrow in order to perform Hajj or 'Umrah. That is not better for you. It is better for you if Hajj and 'Umrah are made easy for you without debt; that is good. But if you are unable to perform Hajj or 'Umrah except through debt, then that is not prescribed, and you should not do this. Yes.
He says: I work for one of the companies, and we perform Hajj and 'Umrah through an installment system, meaning paying in installments. Is this permissible? May Allah reward you with good.
The Shaykh:
What is the installment system? Installments for what?
The questioner:
They pay in installments.
The Shaykh:
There is nothing wrong with that, there is nothing wrong with that, if they are paying the pilgrims the cost of Hajj in installments, because you take it as a debt in your liability and pay it to them in installments, settling it for them; there is no blame in that. But it is not the best; it is not recommended to borrow in order to perform Hajj or 'Umrah. That is not better for you. It is better for you if Hajj and 'Umrah are made easy for you without debt; that is good. But if you are unable to perform Hajj or 'Umrah except through debt, then that is not prescribed, and you should not do this. Yes.
Source
قناة «العلامة الدكتور صالح الفوزان»، ما حكم الحج والاعتمار بنظام التقسيط؟ للشيخ الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.