Borrowing with riba (usury or interest) is not permissible under any circumstances
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Question:
May Allah reward you with good, and may He do you good. A message signed by one of the brothers, who says: Your brother Abu 'Umar. Abu 'Umar says: I was forced to borrow a sum of money due to my urgent need for it, and I agreed with the owner of the money that I would repay it in installments. However, before giving me the money, he made it a condition that I pay interest on this amount when repaying it. When I took it from him, my intention was to return only the principal of the loan and not pay him the interest, so that I would not fall into riba. Is this permissible, or how do I get out of this situation? May Allah reward you with good.
Answer:
This matter, as the questioner mentioned, is riba in a loan through interest; it is explicit riba. It is not permissible for the lender to stipulate this increase, because this is riba. The Prophet (peace and blessings be upon him) cursed the one who eats riba, the one who lends it, its two witnesses, and its scribe. Allah the Exalted and Majestic says:[Ali 'Imran 3:130]. He says: [Ali 'Imran 3:131]. He says, Glorified is He: [Al-Baqarah 2:278-280]. [Al-Baqarah 2:281]. It is obligatory for the Muslim to fear Allah the Mighty and Majestic. If he wants to lend to his brother, let him seek the reward, and let it be a good loan. As for riba, it is not permissible under any circumstances. It is not permissible for you to pay him the increase, lest you be cursed, as the Prophet said: Mishkat al-Masabih 4429 . So he has no right to anything but the principal of his money. Yes.
May Allah reward you with good, and may He do you good. A message signed by one of the brothers, who says: Your brother Abu 'Umar. Abu 'Umar says: I was forced to borrow a sum of money due to my urgent need for it, and I agreed with the owner of the money that I would repay it in installments. However, before giving me the money, he made it a condition that I pay interest on this amount when repaying it. When I took it from him, my intention was to return only the principal of the loan and not pay him the interest, so that I would not fall into riba. Is this permissible, or how do I get out of this situation? May Allah reward you with good.
Answer:
This matter, as the questioner mentioned, is riba in a loan through interest; it is explicit riba. It is not permissible for the lender to stipulate this increase, because this is riba. The Prophet (peace and blessings be upon him) cursed the one who eats riba, the one who lends it, its two witnesses, and its scribe. Allah the Exalted and Majestic says:
O you who have believed, do not consume usury, doubled and multiplied, but fear Allah that you may be successful.
يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تَأْكُلُوا الرِّبَا أَضْعَافًا مُّضَاعَفَةً وَاتَّقُوا اللَّهَ لَعَلَّكُمْ تُفْلِحُونَAnd fear the Fire, which has been prepared for the disbelievers.
وَاتَّقُوا النَّارَ الَّتِي أُعِدَّتْ لِلْكَافِرِينَ(278) O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. (279) And if you do not, then be informed of a war [against you] from Allah and His Messenger. But if you repent, you may have your principal - [thus] you do no wrong, nor are you wronged. (280) And if someone is in hardship, then [let there be] postponement until [a time of] ease. But if you give [from your right as] charity, then it is better for you, if you only knew.
يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَالِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَىٰ مَيْسَرَةٍ وَأَن تَصَدَّقُوا خَيْرٌ لَّكُمْ إِن كُنتُمْ تَعْلَمُونَAnd fear a Day when you will be returned to Allah. Then every soul will be compensated for what it earned, and they will not be treated unjustly.
وَاتَّقُوا يَوْمًا تُرْجَعُونَ فِيهِ إِلَى اللَّهِ ثُمَّ تُوَفَّىٰ كُلُّ نَفْسٍ مَّا كَسَبَتْ وَهُمْ لَا يُظْلَمُونَHe reported the Prophet as saying, “God has cursed men who imitate women and women who imitate men.” Bukhari transmitted it.
صلى الله عليه وسلم لعن الله آكل الرباand the one who lends it, its two witnesses, and its scribe,
وموكله وشاهديه وكاتبه،
Source
قناة «العلامة الدكتور صالح الفوزان»، 4549- الاقتراض بالربا لا يجوز بحال من الأحوال - الشيخ صالح الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.