Ruling on buying a car on installment from another man who bought it for him
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If you informed a man and said to him: Buy a car for a certain amount, and I will take it from you in installments?The Shaykh: For more?The questioner: For more or the same amount?The Shaykh: No, for the same amount. The ruling is different.
The questioner: And if it is for more?The Shaykh: This is not permissible. That is, a person in need of a car says to someone: I do not have cash, so buy me the car and sell it to me with an increase in installments. This is forbidden;Because it is a clear ruse instead of saying to the man: Lend me its value and I will pay you back in larger installments. He resorts to a ruse and says: Buy it for me, then sell it to me. This merchant, if he had not wanted to lend him money, would not have bought the car, would he?The questioner: If he does not own the goods, meaning: he does not trade in them.
The Shaykh: This is more severe. But if the goods are with him,And a person came and said: By Allah! I want you to sell me this car in installments. There is nothing wrong with this.
The questioner: And if it is for more?The Shaykh: This is not permissible. That is, a person in need of a car says to someone: I do not have cash, so buy me the car and sell it to me with an increase in installments. This is forbidden;Because it is a clear ruse instead of saying to the man: Lend me its value and I will pay you back in larger installments. He resorts to a ruse and says: Buy it for me, then sell it to me. This merchant, if he had not wanted to lend him money, would not have bought the car, would he?The questioner: If he does not own the goods, meaning: he does not trade in them.
The Shaykh: This is more severe. But if the goods are with him,And a person came and said: By Allah! I want you to sell me this car in installments. There is nothing wrong with this.