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﴿ فَاسْأَلُوا أَهْلَ الذِّكْرِ إِن كُنتُمْ لَا تَعْلَمُونَ ﴾

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The ruling on a vow made only in one's heart without verbalizing it

Machine translationRead the Arabic original
Question:
If a person tells himself that if such and such happens, he will give a sum of money of such and such amount, like a vow, is he required to fulfill it?

Answer:
Yes, as long as it is merely a thought in the heart without verbalizing it, it does not become a vow. It is not a vow unless it is verbalized. Yes.
Source قناة «العلامة الدكتور صالح الفوزان»، 36 من 175 /شرح بلوغ المرام/الطهارة/الحيض/صالح الفوزان/الحديث/كبار العلماء — youtube.com (1:00:35)

The Arabic text is a machine transcription of the audio recording.

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