Is it permissible to buy a car on installments and then sell it and benefit from the price?
Machine translationRead the Arabic original
The questioner : Peace be upon you.
The Shaykh : And upon you be peace.
The questioner : Shaykh Muhammad, may Allah bless you. I am a person who needs money, so I spoke to one of the brothers, and he said to me, "I have a company that gives me a car and I pay it off to you. That is, they give me a car for thirty, and I pay it off to you for forty-six." Is this permissible or not permissible?
The Shaykh : There is a difference of opinion among the scholars on this. Since you want the money and not the car.
The questioner : Yes, I just need money.
The Shaykh : Some scholars have said that this is forbidden (haram) because it is a stratagem to circumvent riba (usury or interest). Like Shaykh al-Islam Ibn Taymiyyah (may Allah have mercy on him). He prohibited it and was asked about it repeatedly, but he refused to say anything other than that it is forbidden, because it is a stratagem, and stratagems in the religion of Allah are of no avail. And some scholars have granted a dispensation (rukhsah) for this if the car is in the possession of the seller, and he sells it to the one in need in a valid sale, and defers the payment to him for a known period. But this is in case of need.
And I say that if dire necessity (darurah) calls for it, such as if a person has started building his house, and he has spent the money on it, and he finds no one to lend to him, and no one to complete the building for him for a deferred wage, then this is a dire necessity. I hope there is no harm in that.
The questioner : May Allah keep you safe, O Shaykh. Now, regarding your debts as well?
The Shaykh : He sells to you what is worth thirty for forty-six. That means he is profiting more than half right now. Why?
The questioner : O Shaykh, may Allah keep you safe. Now, regarding my situation, should I take the amount from this colleague of mine or not?
The Shaykh : If it is possible that you do not take it, for example.
The questioner : I have a lot of debt; they are demanding thirty thousand from me. I have debt, they are demanding thirty thousand from me at the same time, so I gave it to him.
The Shaykh : May Allah bless you and them.
The questioner : O Allah, amen.
The Shaykh : If you do not have anything to pay them.
The questioner : Except this way, listen.
The Shaykh : Do they not have the right to demand it from you?
The questioner : Allah.
The Shaykh : Because Allah the Exalted says:[Al-Baqarah 2:280] I say to my brothers, those who are demanding it from you, give him time. For granting time to the one in difficulty carries a great reward.
The questioner : May Allah reward you. May Allah bless you.
The Shaykh : Fulfilling the obligation and doing good to their brother.
The presenter : May Allah reward you. May He bless you, a blessing upon you. Peace be upon you, peace and the mercy of Allah and His blessings.
The Shaykh : And upon you be peace.
The questioner : Shaykh Muhammad, may Allah bless you. I am a person who needs money, so I spoke to one of the brothers, and he said to me, "I have a company that gives me a car and I pay it off to you. That is, they give me a car for thirty, and I pay it off to you for forty-six." Is this permissible or not permissible?
The Shaykh : There is a difference of opinion among the scholars on this. Since you want the money and not the car.
The questioner : Yes, I just need money.
The Shaykh : Some scholars have said that this is forbidden (haram) because it is a stratagem to circumvent riba (usury or interest). Like Shaykh al-Islam Ibn Taymiyyah (may Allah have mercy on him). He prohibited it and was asked about it repeatedly, but he refused to say anything other than that it is forbidden, because it is a stratagem, and stratagems in the religion of Allah are of no avail. And some scholars have granted a dispensation (rukhsah) for this if the car is in the possession of the seller, and he sells it to the one in need in a valid sale, and defers the payment to him for a known period. But this is in case of need.
And I say that if dire necessity (darurah) calls for it, such as if a person has started building his house, and he has spent the money on it, and he finds no one to lend to him, and no one to complete the building for him for a deferred wage, then this is a dire necessity. I hope there is no harm in that.
The questioner : May Allah keep you safe, O Shaykh. Now, regarding your debts as well?
The Shaykh : He sells to you what is worth thirty for forty-six. That means he is profiting more than half right now. Why?
The questioner : O Shaykh, may Allah keep you safe. Now, regarding my situation, should I take the amount from this colleague of mine or not?
The Shaykh : If it is possible that you do not take it, for example.
The questioner : I have a lot of debt; they are demanding thirty thousand from me. I have debt, they are demanding thirty thousand from me at the same time, so I gave it to him.
The Shaykh : May Allah bless you and them.
The questioner : O Allah, amen.
The Shaykh : If you do not have anything to pay them.
The questioner : Except this way, listen.
The Shaykh : Do they not have the right to demand it from you?
The questioner : Allah.
The Shaykh : Because Allah the Exalted says:
And if someone is in hardship, then [let there be] postponement until [a time of] ease. But
وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَىٰ مَيْسَرَةٍ وَأَنThe questioner : May Allah reward you. May Allah bless you.
The Shaykh : Fulfilling the obligation and doing good to their brother.
The presenter : May Allah reward you. May He bless you, a blessing upon you. Peace be upon you, peace and the mercy of Allah and His blessings.
Source
قناة «فضيلة الشيخ محمد بن صالح العثيمين»، 1846- هل يجوز شراء سيارة بأقساط ثم بيعها والانتفاع بثمنها /سؤال على الهاتف 📞 /ابن عثيمين — youtube.com
The Arabic text is a machine transcription of the audio recording.