The Ruling on Rental Ending in Ownership
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The questioner: What is the ruling on rental ending in ownership?The Shaykh: What is rental ending in ownership?The questioner: One rents you a car, and you work for three years, paying him eight hundred riyals every month, and after three years you own it.
The Shaykh: You own it for nothing?! This does not happen! This is not reasonable! He says: He rents you a car for one hundred riyals a month, and after three years the lessee owns it. This is not reasonable, because it means the company gives you the car for free in the end, and they cannot do that.
They rent you the car for one hundred riyals a month for three years, and after three years they give it to you. In the end, the car came (for free) because the hundred riyals was for your use of it, so it becomes (for free). This is not reasonable.But he cannot say: They rent it to you for one hundred riyals, and after three years it is yours, unless the rent is doubled. That is, if you had rented it without this arrangement, it would have been fifty riyals a month. Do you understand or not? This is the certainty. So now you are definitely paying more rent than usual, and they do not guarantee that the car will last three years; it may be destroyed by fire, a collision, or something else. If this happens, is the lessee a loser or a winner? He is a loser, having lost the extra half every month and gained nothing.
And if the car remains, you are a winner because the car came (for free). However, I have heard that they say: if he is unable to pay the last installment, they take the car and give him nothing. This is injustice. Therefore, this is a trick by the owners of companies and money to catch people's money in muddy water. The origin of tricks in buying and selling came from the Jews, for they are the ones who resorted to tricks when fats were forbidden to them. What did they do? They melted them, then sold them and ate the price. This matter is currently under the consideration of the Council of Senior Scholars, who are researching it and will issue a fatwa on it, if Allah wills, in the next session, because until now they have not visualized how this transaction is carried out. So do not enter into this transaction until the fatwa comes from the Council of Senior Scholars.
The Shaykh: You own it for nothing?! This does not happen! This is not reasonable! He says: He rents you a car for one hundred riyals a month, and after three years the lessee owns it. This is not reasonable, because it means the company gives you the car for free in the end, and they cannot do that.
They rent you the car for one hundred riyals a month for three years, and after three years they give it to you. In the end, the car came (for free) because the hundred riyals was for your use of it, so it becomes (for free). This is not reasonable.But he cannot say: They rent it to you for one hundred riyals, and after three years it is yours, unless the rent is doubled. That is, if you had rented it without this arrangement, it would have been fifty riyals a month. Do you understand or not? This is the certainty. So now you are definitely paying more rent than usual, and they do not guarantee that the car will last three years; it may be destroyed by fire, a collision, or something else. If this happens, is the lessee a loser or a winner? He is a loser, having lost the extra half every month and gained nothing.
And if the car remains, you are a winner because the car came (for free). However, I have heard that they say: if he is unable to pay the last installment, they take the car and give him nothing. This is injustice. Therefore, this is a trick by the owners of companies and money to catch people's money in muddy water. The origin of tricks in buying and selling came from the Jews, for they are the ones who resorted to tricks when fats were forbidden to them. What did they do? They melted them, then sold them and ate the price. This matter is currently under the consideration of the Council of Senior Scholars, who are researching it and will issue a fatwa on it, if Allah wills, in the next session, because until now they have not visualized how this transaction is carried out. So do not enter into this transaction until the fatwa comes from the Council of Senior Scholars.