Ruling on taking a loan in the mother's name to build a house

Question:
Honorable Shaykh, a man took out a loan from the housing bank in his mother's name. Yes. A man took out a loan from the housing bank in his mother's name and built a house for himself with it. The mother asks if she owes anything regarding this loan before Allah, in her lifetime or after her death, if her son does not repay the loan, knowing that she did not benefit from this loan, not even a little or a lot?

Answer:
This is a stratagem; this falls under the category of stratagems, and stratagems are not permissible. The house is yours and the loan is in your father's name. The government gave you the loan on the basis that it is for you, not for your mother. So this is deception and is not permissible. It is deception and lying, and this action is not permissible even if people are falling into it, but it is not permissible because it is lying and deception. What is prescribed, if you have land and you have not previously borrowed, is that you submit a loan application to develop it, as the regulations stipulate. As for you not being eligible for the loan because the regulations do not apply to you, and making it in the name of another person to whom the regulations do apply, that is lying and deception.
The debt falls upon the one who committed to it before the government, and it was written on him and recorded in his liability. The debt is upon him, and he is responsible for it in this world and the Hereafter.

The presenter:
May Allah reward you