Is buying some household necessities on installment considered riba?
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Eid Abbasi : Is buying some household necessities on installment considered riba?
The Shaykh : This is also a matter we have discussed often and in detail. You must memorize the saying of the Messenger (peace be upon him) so that you may be at ease:Sunan Abi Dawud 3461Hasan (Al-Albani), Sunan Abi Dawud 3461Hasan (Al-Albani) the one with the lower price, if he takes the extra price. A questioner might ask: What does "two sales in one sale" mean? The answer is in the other hadith. The other hadith is narrated by Imam Ahmad in "Al-Musnad" through Sammak ibn Harb from Ibn Mas'ud, who said: "The Messenger of Allah (peace and blessings be upon him) prohibited two transactions in one transaction." In another narration: "two sales in one sale." Sammak, the narrator of the hadith, was asked: What are two sales in one sale? He said: You say, "I will sell this to you for such-and-such in cash, and for such-and-such on credit."
The matter is clear, but—unfortunately—most scholars went against these two hadiths, and some explicitly stated that there is a price for the delay. If it were not for our trust in these scholars and our good opinion of them, we would have said a heavy word. This is the talk of the usurers. When you ask him, "Why do you pay ten and take eleven?" he says to you, "My brother, I have kept my money idle; I am being patient with this partner of mine." So, the delay has a value and a price; this is the argument of the usurer. But it appears that these hadiths did not reach them, or they reached them but were not authentic. The excuses mentioned by Shaykh al-Islam Ibn Taymiyyah (may Allah have mercy on him) for scholars who sometimes fall into contradicting some hadiths are many in his treatise. What is its name?
Those present : "Raf' al-Malam" (Lifting the Blame).
The Shaykh : "Raf' al-Malam 'an al-A'immah al-A'lam" (Lifting the Blame from the Famous Imams). As for the obligated person seeking knowledge, he must stop at the hadith that has reached him. The excuse remains for those to whom it did not reach. As for transmission by following, instead of following the Messenger (peace be upon him), we follow the one who contradicted the hadith of the Messenger (peace be upon him); this is not permissible for Muslims.
Other than that?
The Shaykh : This is also a matter we have discussed often and in detail. You must memorize the saying of the Messenger (peace be upon him) so that you may be at ease:
If anyone makes two transactions combined in one bargain, he should have the lesser of the two or it will involve usury.
مَن باع بيعتَين في بيعة فله أوكَسُهما أو الرباIf anyone makes two transactions combined in one bargain, he should have the lesser of the two
مَن باع بيعتين في بيعة فله أوكَسُهماor the usury
أو الرباThe matter is clear, but—unfortunately—most scholars went against these two hadiths, and some explicitly stated that there is a price for the delay. If it were not for our trust in these scholars and our good opinion of them, we would have said a heavy word. This is the talk of the usurers. When you ask him, "Why do you pay ten and take eleven?" he says to you, "My brother, I have kept my money idle; I am being patient with this partner of mine." So, the delay has a value and a price; this is the argument of the usurer. But it appears that these hadiths did not reach them, or they reached them but were not authentic. The excuses mentioned by Shaykh al-Islam Ibn Taymiyyah (may Allah have mercy on him) for scholars who sometimes fall into contradicting some hadiths are many in his treatise. What is its name?
Those present : "Raf' al-Malam" (Lifting the Blame).
The Shaykh : "Raf' al-Malam 'an al-A'immah al-A'lam" (Lifting the Blame from the Famous Imams). As for the obligated person seeking knowledge, he must stop at the hadith that has reached him. The excuse remains for those to whom it did not reach. As for transmission by following, instead of following the Messenger (peace be upon him), we follow the one who contradicted the hadith of the Messenger (peace be upon him); this is not permissible for Muslims.
Other than that?
Source
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