The Ruling on Borrowing for the Sake of 'Umrah!!!

The questioner : I borrowed money to perform 'Umrah, even though I have an amount that is sufficient for Hajj and more, but I have installments for the price of a car. Is 'Umrah permissible for me or not? May Allah reward you with good.

The Shaykh : For a person to borrow in order to perform 'Umrah is a grave danger.

The questioner : Because the person who does not find [the means].

The Shaykh : It is not obligatory for him to perform Hajj or 'Umrah, due to the saying of Allah the Exalted: And more astonishing than this is the action of this man: how does he go and burden his conscience with a recommended matter that is not obligatory? And burdening the conscience with debt is no light matter, O brothers.
If the Messenger (peace and blessings be upon him) did not tell the man who wanted to marry but had nothing, he did not say to him, "Borrow." The story is well known: a woman came to the Messenger (peace and blessings be upon him) and said, "I have offered myself to you." But the Prophet (peace and blessings be upon him) did not desire to marry her. So a man stood up and said, "O Messenger of Allah, if you have no need for her, then marry me to her." He said, "What will you give as her mahr?" He said, "I will give her my izar (lower garment)." He had no rida' (upper garment); he had only an izar. So the Prophet (peace and blessings be upon him) said, "Your izar? How will you give it as mahr? If you give it to her, you will have no izar left, and if it remains with you, it will not be a mahr for her. So go and seek something." The man went and sought something but found nothing. And the Prophet (peace and blessings be upon him) did not say to him, "Borrow so that you can marry." Rather, he said, "Do you have anything of the Qur'an?" He said, "Yes." He said, "I have married you to her with what you have of the Qur'an."
So debt is not a light matter. And the negligence of some people toward it today is a great error. Indeed, if you wished, you would believe that some people borrow coins just to furnish the shelves in the building.
You find him borrowing ten thousand or twenty thousand just to place the covering on the shelves of the House, and this is undoubtedly an error in conduct. Likewise, this man who borrowed in order to perform 'Umrah erred in his conduct. We say: the debt that is upon you is more obligatory than 'Umrah. Pay off the debt first, then perform 'Umrah. As for borrowing and performing 'Umrah, that is a clear error.