The conditions for the obligation of Hajj and 'Umrah.

The Shaykh : So I say that Hajj and 'Umrah are obligatory once in a lifetime for the one who is able, provided the conditions of reaching puberty, sanity, Islam, freedom, and ability are met. How many conditions are these? Five conditions. If they are fulfilled, it is obligatory for the person to perform Hajj.
Part of the ability is that a woman must have a mahram (a relative one may not marry). If she does not find a mahram, then Hajj is not obligatory upon her, even if she has a lot of money, because her travel is difficult to realize according to the Shari'ah, and what is difficult to realize according to the Shari'ah is like what is difficult to realize in reality. Let the woman who has money but no mahram be reassured and let her heart be at ease, because Hajj is not obligatory upon her, just as there is no zakah (the obligatory alms) upon the poor person who has no money. If she meets her Lord in this state, she has met Him and is not sinful for her inability to perform Hajj according to the Shari'ah or in reality? According to the Shari'ah. She should be patient until Allah makes it easy for her to have a mahram. If it does not become easy, then praise be to Allah, the matter is broad.
Likewise, if a person has a due debt that he is being demanded to pay, let him pay his debt first. If the money he has is not sufficient for both the debt and Hajj, then Hajj drops off him. If the debt is deferred, meaning it is paid in installments, and he is confident in himself that when the debt's term arrives he will pay it off, then let him perform Hajj, just as if he had a loan from a real estate bank and he was confident that when the installment's term arrives he will pay it, then let him perform Hajj, even if he has a debt. However, if he is not confident in himself that he will pay it off, then he does not perform Hajj, even if the debt is deferred, even if the owner of the debt forgives him, because paying off the debt is more important.
On this occasion, I warn you, then I warn you, then I warn you against being negligent with debt, for being negligent with debt is foolishness in the mind, because debt is great.
And I mention to you three things.
First: If a man is martyred in the path of Allah, then martyrdom expiates everything except debt. All sins are expiated by martyrdom, from zina (unlawful sexual intercourse) and theft and drinking khamr (intoxicants) and others; martyrdom expiates them, except that the stolen item is returned to its owner, except debt. This is one.
Second: The imam does not pray over the debtor, I mean, if the debtor dies and he has a debt that he does not have the means to pay, then the imam does not pray over him. The evidence is . The Grand Imam, meaning the head of state, is like the Prophet (peace and blessings be upon him) in that he has authority over those under his hand, so he does not pray over him. As for the imam of every mosque, this is left to the person's ijtihad (independent legal reasoning). Allahu Akbar, Who was the one whose skin cooled? The dead debtor.
It is narrated from the Prophet (peace and blessings be upon him), and this is the third issue, that he said: And this indicates that it is obligatory for the person to be cautious of debt.
There was a man from the Companions who wanted to marry and he had nothing. Did the Messenger tell him to borrow, or did he not say that to him? He did not say to borrow. A man The narrator of the hadith, Sahl ibn Sa'd al-Sa'idi (may Allah be pleased with him), said: meaning he had nothing on him but an izar (loincloth), his upper body was naked because he was poor. The Prophet (peace and blessings be upon him) said to him: It is not possible. Seek, , meaning he taught her, so he taught her, and he did not say to borrow from your brothers or borrow from the people, which indicates the greatness of the status of debt. And our brothers today and our people today, a person buys a car for seventy thousand on credit, even though he is able to buy a car for twenty thousand, but he does not say, "I want a luxurious car," a Buick or a Mercedes or something like that, and this is wrong. He renovates his house; it is sufficient for him to renovate his house, for example, for three hundred thousand. He says, no, renovate the house for how much? Five hundred thousand. He renovates the house according to his circumstances, and he can use the house without burdening himself with debts. But he says, no, furnish the house from its door to its roof, all of it, even the stairs. Why, and you are poor? This is extravagance and wrong. So being negligent with debt, my brothers, its matter is difficult and wrong. If the person is a debtor, we say, do not perform Hajj, and you have a debt, except if you are confident that when the installment is due you will pay it off, otherwise the debt is more important.