regarding the ruling on installment sales, where the car owner sells them on installments
Machine translationRead the Arabic original
The questioner : Regarding installments; we went to a place to buy a car. He said: This car is worth four thousand, two hundred and fifty. How much will you pay? We said to him: One thousand dinars, for about two and a half years. He said: That will result in an interest of three hundred and fifty, then there is a discount of one hundred dinars allowed, and one hundred and fifty dinars discount allowed for the manager. So we said to him: We will cancel the three hundred and fifty dinars of interest for us, and the other discounts are free.
The Shaykh : Yes, are you buying from a merchant who sells at two prices or at one price?
The questioner : They sell, no; at two prices, at two prices they sell.
Another questioner : The best speech is what is brief and instructive.
The Shaykh : Are you buying from a merchant who sells at one price or at two prices?
The questioner : At two prices.
The Shaykh : There is a difference ... .
The questioner : ... allowed discounts.
The Shaykh : This is just going back and forth, meaning.
Another questioner : Yes.
The Shaykh : Since he is selling at two prices, it is not permissible for you to buy from him on this basis. In my time, I was afflicted with something like this; what did I do?
This was the first time I bought a new car, and I was a professor at the Islamic University, newly appointed to the position. I had an old car in Sham, so I asked one of our brothers to sell it and save me the price, and in ... whether it took long or short, he gathered for me the money for a car in Saudi Arabia, which remained cheap, that was how it was. I gathered this money and went down with one of the students to Jeddah. We went to the "Opel" agency, we saw the car that suited me and my family, we said to them: How much is the price? He said: Cash is so much, and installments are so much. We said to him: We do not buy on installments; because this is not permissible in the Shari'ah. He started to argue with us, meaning they call it "Hajji" there, and he treated us here, they say in the Shami dialect: "Kuskusa," what do you call it?
Those present : "Saksuka."
The Shaykh : Ah, so we heard the employees saying to him: "Hajji, Hajji," so it appears he truly has piety, but the poor man wanted to justify it; he said: Oh Professor, oh Shaykh, by Allah I do not know what he said to me ... I gave him a summary lecture similar to the previous lecture in brief; so we said to him: We do not want to buy from you except at the installment price; nevertheless, I - also - do not want to harm him, I am determined ... cash, but I do not pay the rest, not a single qirsh, but I agree with you that every month I send you ... so I named the amount available to me, I think it came out to him, he said to him: five thousand, on the basis that every month I send him ... and that was how it was, so I bought the car from him at the price he asked for in cash, and I did not enter into a negotiation with him that is ... I do not know what you said, manager, and so on, what does this mean? The point is that you insist that you buy in the Sharia-compliant way, and I believe, I believe firmly, not just by faith, no; by faith and experience, that His saying - the Exalted - I touched it with my hand:[At-Talaq 65:2-3] , but people today have truly risen above their religion spiritually, and it became that nothing matters to anyone but material gain, halal or haram, no one asks; as came in the authentic hadith: or as he said - peace and blessings be upon him - .
The Shaykh : Yes, are you buying from a merchant who sells at two prices or at one price?
The questioner : They sell, no; at two prices, at two prices they sell.
Another questioner : The best speech is what is brief and instructive.
The Shaykh : Are you buying from a merchant who sells at one price or at two prices?
The questioner : At two prices.
The Shaykh : There is a difference ... .
The questioner : ... allowed discounts.
The Shaykh : This is just going back and forth, meaning.
Another questioner : Yes.
The Shaykh : Since he is selling at two prices, it is not permissible for you to buy from him on this basis. In my time, I was afflicted with something like this; what did I do?
This was the first time I bought a new car, and I was a professor at the Islamic University, newly appointed to the position. I had an old car in Sham, so I asked one of our brothers to sell it and save me the price, and in ... whether it took long or short, he gathered for me the money for a car in Saudi Arabia, which remained cheap, that was how it was. I gathered this money and went down with one of the students to Jeddah. We went to the "Opel" agency, we saw the car that suited me and my family, we said to them: How much is the price? He said: Cash is so much, and installments are so much. We said to him: We do not buy on installments; because this is not permissible in the Shari'ah. He started to argue with us, meaning they call it "Hajji" there, and he treated us here, they say in the Shami dialect: "Kuskusa," what do you call it?
Those present : "Saksuka."
The Shaykh : Ah, so we heard the employees saying to him: "Hajji, Hajji," so it appears he truly has piety, but the poor man wanted to justify it; he said: Oh Professor, oh Shaykh, by Allah I do not know what he said to me ... I gave him a summary lecture similar to the previous lecture in brief; so we said to him: We do not want to buy from you except at the installment price; nevertheless, I - also - do not want to harm him, I am determined ... cash, but I do not pay the rest, not a single qirsh, but I agree with you that every month I send you ... so I named the amount available to me, I think it came out to him, he said to him: five thousand, on the basis that every month I send him ... and that was how it was, so I bought the car from him at the price he asked for in cash, and I did not enter into a negotiation with him that is ... I do not know what you said, manager, and so on, what does this mean? The point is that you insist that you buy in the Sharia-compliant way, and I believe, I believe firmly, not just by faith, no; by faith and experience, that His saying - the Exalted - I touched it with my hand:
And whoever fears Allah - He will make for him a way out (3) And will provide for him from where he does not expect.
وَمَنْ يَتَّقِ اللَّهَ يَجْعَلْ لَهُ مَخْرَجًا * وَيَرْزُقْهُ مِنْ حَيْثُ لَا يَحْتَسِبُThat a time will come upon my Ummah where a person will not care whether he ate from the haram or from the halal
أنه يأتي زمان على أمَّتي لا يبالي المرء أَمِن الحرام أكل أو من الحلال
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.