The ruling on Hajj for the one who is able and for the one who has a debt

The questioner:
When does Hajj become obligatory for me if I perform it? And if I borrow money and perform Hajj?

The Shaykh:
Yes, what is the question?

The questioner:
He asks when Hajj becomes obligatory for him? And if he borrows for Hajj, is the Hajj valid?

The Shaykh:
It is obligatory for the one who is able to do so. Allah the Exalted and Majestic said: What is meant by this is that he possesses the provisions suitable for his journey there and back, and that he possesses the mount he rides there and back. If he is able to do this by having the means of transport, whether by owning it or by hiring it from others, and he possesses the provisions that suffice him in his journey, freeing him from needing people, then it is obligatory for him to perform Hajj once in his lifetime. Yes.

The presenter:
Does the one who has a debt perform Hajj and 'Umrah?

The Shaykh:
He pays off the debt first. If his money is little, he starts with the debt. If something remains after the debt, he performs Hajj. But if his money is ample, enough for the debt and for Hajj, there is no harm in him performing Hajj, and when he comes, he pays off the debt. Yes.