The Ruling on Two Sales in One Sale: Cash and Deferred
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Question:
This questioner says: What is your view, may Allah grant you success, regarding the statement in the interpretation of the saying of Sammak ibn Harith about two sales in one sale, where he said: "You say, I sell you this merchandise for such-and-such amount in cash, and for such-and-such amount on credit"? He says: Some scholars hold that this is exactly what is called today installment sales. What is your view, may Allah preserve you?
Answer:
No, it is not installment sales. Installment sales are when he sells it for one price that is paid in installments. There is no harm in that; there is no harm in that. It is one price, not delivered all at once, but made into installments. On scheduled dates. Each installment is due on its date, so there is no harm in that. Yes.
This questioner says: What is your view, may Allah grant you success, regarding the statement in the interpretation of the saying of Sammak ibn Harith about two sales in one sale, where he said: "You say, I sell you this merchandise for such-and-such amount in cash, and for such-and-such amount on credit"? He says: Some scholars hold that this is exactly what is called today installment sales. What is your view, may Allah preserve you?
Answer:
No, it is not installment sales. Installment sales are when he sells it for one price that is paid in installments. There is no harm in that; there is no harm in that. It is one price, not delivered all at once, but made into installments. On scheduled dates. Each installment is due on its date, so there is no harm in that. Yes.
Source
قناة «العلامة الدكتور صالح الفوزان»، ما المقصود ببيعتين في بيعة؟ وهل هو البيع بالتقسيط؟ لمعالي الشيخ صالح الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.