Hajj for one who has a debt and selling mobile phones on installment

The questioner:
We take a call from Abu Mashari from Dammam. Go ahead, Abu Mashari. Peace be upon you. Peace. And upon you, peace. What is the matter, Shaykh? Go ahead, go ahead. I have seven questions. The first question is that I want to reserve this, and I have a group from the bank. Okay, yes, yes. And the second question is that I mean mobile phones, or I have a shop, meaning if one of my colleagues comes wanting a phone or something, I go to a shop, one of my friends, and I take the phone. Let him choose the phone he wants, and it is on monthly installments, two hundred riyals every month. Okay, clear. He wants to perform Hajj, and he has debts, Shaykh Salih.

The Shaykh:
Start with the debts. If he has ample wealth that allows him to pay off the debts and perform Hajj from it, he should perform Hajj; it is obligatory for him to perform Hajj. But if he does not have wealth sufficient for both the debts and Hajj, he should prioritize the debts. Once he has paid off the debts, he performs Hajj afterwards. Yes.

The presenter:
He sells mobile phones on installment, where he buys the phones for his colleagues and sells them to them on installment.

The Shaykh:
The scenario he described is not permissible. If he owns mobile phones and has them in his possession, and he sells them to people for a cash price or a deferred price, there is no harm.
But if he does not have mobile phones, and rather, when someone comes wanting a phone, he goes with him, as he mentioned, to the mobile phone shop, and it is the customer or the borrower who chooses the phone, and then he pays its price on his behalf and installs it for him, this is not permissible. This is a loan. This is a loan that brings benefit. It is a loan with interest. It is a deferred loan. It is not permissible. So the result is that you do not sell mobile phones unless they are in your ownership and in your possession. You acquire them first, then sell them to people. Yes.