What is the ruling on Hajj for one who is not able to afford it?
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Question:
This person asks about one who has not performed Hajj and wants to perform it, but he says he does not have the means. It appears from his question that he does not have the funds that would enable him.
Answer:
So we say: wait. If you do not have the funds for Hajj, wait until you have the funds. As for if you do not have the funds for Hajj, then Hajj is not obligatory upon you. Allah the Exalted said:[Ali 'Imran 3:97] and you are not able. So if money sufficient for Hajj becomes available to you, Hajj becomes obligatory upon you. If it does not become available, it is not obligatory, and you are not required to borrow or take on debt for the sake of Hajj. No, do not take on debt and do not borrow. If money becomes available to you that enables you to perform Hajj without borrowing and without a loan, then perform Hajj. Otherwise, praise be to Allah, Allah has not made Hajj obligatory upon you, and you are not able.
This person asks about one who has not performed Hajj and wants to perform it, but he says he does not have the means. It appears from his question that he does not have the funds that would enable him.
Answer:
So we say: wait. If you do not have the funds for Hajj, wait until you have the funds. As for if you do not have the funds for Hajj, then Hajj is not obligatory upon you. Allah the Exalted said:
And [due] to Allah from the people is a pilgrimage to the House - for whoever is able to find thereto a way
وَلِلَّهِ عَلَى النَّاسِ حِجُّ الْبَيْتِ مَنِ اسْتَطَاعَ إِلَيْهِ سَبِيلًا
Source
قناة «العلامة الدكتور صالح الفوزان»، ما حكم الحج لغير القادر؟ للشيخ الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.