A man who wants to buy a car on installment to complete the construction of his house, but heard from one of the students of knowledge that this is forbidden and that the process of tawarruq is a sister of riba
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The questioner : I have a desire to buy a car on installment to complete the construction of my house, but I heard from one of the students of knowledge that this is forbidden and that the process of tawarruq is a sister of riba. What do you advise me?
The Shaykh : I advise you not to engage in this transaction, because the least of what is in it is that it is a doubtful matter. And the Shaykh al-Islam Ibn Taymiyyah (may Allah have mercy on him) explicitly stated that it is forbidden. He was often consulted about this and refused to say anything other than that it is forbidden. But if you know the materials you need and go to someone who has these materials and say to him: "I am buying them from you for such and such," meaning for more than their cash price, and he sells them to you, then there is nothing wrong with that. Because this is a purchase with a deferred price, and a deferred price must be higher than the cash price. Yes.
The questioner : This listener, Abdul Qayyum Ali al-Sudani, says.
The Shaykh : I advise you not to engage in this transaction, because the least of what is in it is that it is a doubtful matter. And the Shaykh al-Islam Ibn Taymiyyah (may Allah have mercy on him) explicitly stated that it is forbidden. He was often consulted about this and refused to say anything other than that it is forbidden. But if you know the materials you need and go to someone who has these materials and say to him: "I am buying them from you for such and such," meaning for more than their cash price, and he sells them to you, then there is nothing wrong with that. Because this is a purchase with a deferred price, and a deferred price must be higher than the cash price. Yes.
The questioner : This listener, Abdul Qayyum Ali al-Sudani, says.