The ruling on installment sales.
Machine translationRead the Arabic original
The phone is ringing.
The Shaykh : Yes.
The questioner : Peace be upon you
The Shaykh : And upon you be peace and the mercy of Allah
The questioner: HouseThe Shaykh : Nasser al-Din
The Shaykh : Yes.
The questioner: How are you, my Shaykh?
The Shaykh : Praise be to Allah, I am well
The questioner: I am speaking from Britain.
The Shaykh: Yes, welcome.
The questioner: May Allah greet you. I would like to ask about some questions.
The Shaykh: May Allah deliver you from Britain.
The questioner: Amen, O Lord. How are you, my Shaykh?
The Shaykh : Praise be to Allah, I am well
The questioner: I have one question.
The Shaykh : Yes.
The questioner: They call it "mortgage" in English, meaning: you buy a house on installments, and all houses in Britain are bought this way. I am currently renting a house.
The Shaykh : Yes, exactly.
The questioner: What is the Islamic view on a person buying a house on installments?
The Shaykh: Is it not possible to buy it for cash?
The questioner: It is not possible, because the house in these areas is worth about one hundred thousand.
The Shaykh: It is not possible for the buyer, but is it possible for the seller?
The questioner: The one who sells it.
The Shaykh : Yes.
The questioner: Yes.
The Shaykh: Perhaps.
The questioner: If you have the full amount, he will sell it to you for cash.
The Shaykh: This transaction, meaning: it exists among us in Jordan, and unfortunately, all Islamic countries engage in cash sales and installment sales. My answer is that it is not permissible.
The questioner : It is not permissible.
The Shaykh: Due to his saying (peace and blessings be upon him):Sunan Abi Dawud 3461Hasan (Al-Albani) , and the hadith of Ibn Mas'ud that the Messenger of Allah (peace and blessings be upon him) forbade two sales in one sale. The narrator of the hadith, Sammak ibn Harb, was asked: What are two sales in one sale? He said: That you say, "I sell this to you for such-and-such in cash, and for such-and-such on credit." This is installment selling. Therefore, we do not advise a Muslim to buy a house, real estate, a vehicle, a car, or anything on installments. If the cash price is available to him, he should buy it and be pleased. If he does not buy it, he should manage his affairs as the poor do who cannot buy either for cash or on credit. What do they do? They do not die in the open, but rather they rent. And in old Arabic colloquial proverbs: "Stretch your legs according to the length of your blanket." Is it clear? But did you understand what I said?
The questioner : Yes, exactly.
The Shaykh: Bring up the point.
The questioner: Yes, which is that the rent I am currently paying for the house is approximately equal to the monthly installment, meaning: I pay about two hundred dinars per month?
The Shaykh: My brother, you are living in a land of disbelief, and from their principles from which they proceed and by which they oppress the general public is that "the end justifies the means." In the Shari'ah, this principle is invalid, meaning: if the end suits us, it justifies the means even if it is not lawful. It is not permissible for us in the Shari'ah. So, the fact that the tenant pays a monthly rent that equals the monthly installment does not justify a person committing a sin. Is it clear?
The questioner : Yes.
The Shaykh: Okay
The questioner: May Allah bless you.
The Shaykh : And may Allah bless you.
The questioner : May Allah reward you with good.
The Shaykh : May Allah preserve you
The questioner: Peace be upon you.
The Shaykh : Yes.
The questioner : Peace be upon you
The Shaykh : And upon you be peace and the mercy of Allah
The questioner: HouseThe Shaykh : Nasser al-Din
The Shaykh : Yes.
The questioner: How are you, my Shaykh?
The Shaykh : Praise be to Allah, I am well
The questioner: I am speaking from Britain.
The Shaykh: Yes, welcome.
The questioner: May Allah greet you. I would like to ask about some questions.
The Shaykh: May Allah deliver you from Britain.
The questioner: Amen, O Lord. How are you, my Shaykh?
The Shaykh : Praise be to Allah, I am well
The questioner: I have one question.
The Shaykh : Yes.
The questioner: They call it "mortgage" in English, meaning: you buy a house on installments, and all houses in Britain are bought this way. I am currently renting a house.
The Shaykh : Yes, exactly.
The questioner: What is the Islamic view on a person buying a house on installments?
The Shaykh: Is it not possible to buy it for cash?
The questioner: It is not possible, because the house in these areas is worth about one hundred thousand.
The Shaykh: It is not possible for the buyer, but is it possible for the seller?
The questioner: The one who sells it.
The Shaykh : Yes.
The questioner: Yes.
The Shaykh: Perhaps.
The questioner: If you have the full amount, he will sell it to you for cash.
The Shaykh: This transaction, meaning: it exists among us in Jordan, and unfortunately, all Islamic countries engage in cash sales and installment sales. My answer is that it is not permissible.
The questioner : It is not permissible.
The Shaykh: Due to his saying (peace and blessings be upon him):
If anyone makes two transactions combined in one bargain, he should have the lesser of the two or it will involve usury.
من باع بيعتين في بيعة فله أوكسهما أو الرباThe questioner : Yes, exactly.
The Shaykh: Bring up the point.
The questioner: Yes, which is that the rent I am currently paying for the house is approximately equal to the monthly installment, meaning: I pay about two hundred dinars per month?
The Shaykh: My brother, you are living in a land of disbelief, and from their principles from which they proceed and by which they oppress the general public is that "the end justifies the means." In the Shari'ah, this principle is invalid, meaning: if the end suits us, it justifies the means even if it is not lawful. It is not permissible for us in the Shari'ah. So, the fact that the tenant pays a monthly rent that equals the monthly installment does not justify a person committing a sin. Is it clear?
The questioner : Yes.
The Shaykh: Okay
The questioner: May Allah bless you.
The Shaykh : And may Allah bless you.
The questioner : May Allah reward you with good.
The Shaykh : May Allah preserve you
The questioner: Peace be upon you.
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.