Is debt a barrier to Hajj?
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The questioner : Does debt prevent one from performing Hajj? And if it is a barrier to Hajj, what is the ruling regarding long-term bank debts, especially those from the Development Bank, which may last a lifetime and which we are unable to pay off?
The Shaykh : Be patient. If the debt is due immediately, it takes precedence over Hajj. If it is due immediately, it takes precedence over Hajj because its obligation precedes the obligation of Hajj. One must pay the debt and then perform Hajj. If he has nothing, and after paying the debt he waits until Allah makes him wealthy.
If the debt is deferred, we look at whether the person is confident that when the due date arrives, he will pay it. In that case, the debt does not prevent the obligation of Hajj, whether the creditor gives him permission or not. If he is not confident of his ability to pay, he waits until the due date arrives and he pays it. Based on this, we say: If a person has debts to the Real Estate Development Fund, and he knows from himself that when the due date arrives he will pay it, Hajj is obligatory for him, even if he has a debt. Yes.
The Shaykh : Be patient. If the debt is due immediately, it takes precedence over Hajj. If it is due immediately, it takes precedence over Hajj because its obligation precedes the obligation of Hajj. One must pay the debt and then perform Hajj. If he has nothing, and after paying the debt he waits until Allah makes him wealthy.
If the debt is deferred, we look at whether the person is confident that when the due date arrives, he will pay it. In that case, the debt does not prevent the obligation of Hajj, whether the creditor gives him permission or not. If he is not confident of his ability to pay, he waits until the due date arrives and he pays it. Based on this, we say: If a person has debts to the Real Estate Development Fund, and he knows from himself that when the due date arrives he will pay it, Hajj is obligatory for him, even if he has a debt. Yes.