The ruling on installment loans that incur interest? And an expanded discussion on the prohibition of legal stratagems, with an explanation of the hadith: (Whoever sells two sales in one sale)?
Machine translationRead the Arabic original
Al-Hawini: I went with one of the brothers to a car exhibition, and I chose a car worth eight thousand riyals, on the condition that he would give me one thousand and two hundred riyals each month, and there would be an increase of five thousand on it; that is, it would amount to thirteen thousand riyals on him, and four thousand has reached me from it; is there anything forbidden in this or not?
The Shaykh : What did he take in return for the increase?
Al-Hawini: It seems the return was that I gave him the amount.
The Shaykh : The case is an open usurious matter, it does not need a question; because this is a “loan that led to a benefit.”
Al-Hawini: But he might say, I mean, the car is between me and him, it is not money for money, but money and its income is a car in half?
The Shaykh : “Double,” a stratagem, many people fall into this today.
Al-Hawini: Installment payments, meaning it seems he intends by it installment payments.
The Shaykh : It is not permissible, he (peace and blessings be upon him) said:Sunan Abi Dawud 3461Hasan (Al-Albani), and the Wise Lawgiver has forbidden legal stratagems, and Sahih al-Bukhari 1, the hadith that came in “Sahih” from his saying (peace and blessings be upon him): , the point of this hadith is that Allah (Mighty and Majestic), when He forbade the Jews as He said in the Noble Qur’an: , among these good things that were forbidden to the Jews were the fats, so it was obligatory for them when they slaughtered the animal to benefit from its meat, and to throw its fat to the ground, so the Jews did not have patience with this just divine ruling, so what did they do?
They took the fats and threw them into the pots, then they lit a fire underneath them, so they took on another form. By that, Satan adorned their evil deeds for them and deluded them into thinking that this fat had become something other than the forbidden fat...
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The completion of the answer is in the next tape, number.
The Shaykh : What did he take in return for the increase?
Al-Hawini: It seems the return was that I gave him the amount.
The Shaykh : The case is an open usurious matter, it does not need a question; because this is a “loan that led to a benefit.”
Al-Hawini: But he might say, I mean, the car is between me and him, it is not money for money, but money and its income is a car in half?
The Shaykh : “Double,” a stratagem, many people fall into this today.
Al-Hawini: Installment payments, meaning it seems he intends by it installment payments.
The Shaykh : It is not permissible, he (peace and blessings be upon him) said:
If anyone makes two transactions combined in one bargain, he should have the lesser of the two or it will involve usury.
من باع بيعتين في بيعة فله أوكسهما أو الرباThe reward of deeds depends upon the intentions and every person will get the reward according to what he has intended.
إنما الأعمال بالنيات ، وإنما لكل امرئ ما نوىAllah cursed the Jews; the fats were forbidden to them, so they rendered them, then sold them, and ate their price, and indeed Allah (Mighty and Majestic), when He forbade the eating of something, forbade its price.
لعن اللهُ اليهودَ حُرِّمت عليهم الشُّحوم ، فجَمَلُوها ، ثم باعوها ، وأكلوا أثمانها ، وإن الله - عز وجل - إذا حرَّم أكل شيء حرَّم ثمنهSo, because of the wrongdoing of those who were Jews, We have forbidden to them [certain] good things [which were] made lawful to them.
فَبِظُلْمٍ مِنَ الَّذِينَ هَادُوا حَرَّمْنَا عَلَيْهِمْ طَيِّبَاتٍ أُحِلَّتْ لَهُمْThey took the fats and threw them into the pots, then they lit a fire underneath them, so they took on another form. By that, Satan adorned their evil deeds for them and deluded them into thinking that this fat had become something other than the forbidden fat...
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The completion of the answer is in the next tape, number
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Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.