What is the ruling on the Hajj of a person who has an installment debt and did not seek permission from the creditor, given that he has been delayed in paying some of the installments?
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The questioner : O Shaykh, may Allah reward you, a man performed Hajj while having an installment debt without seeking permission from the creditor, and he is delayed in some of the installments. What is the ruling on his Hajj, O Shaykh?
The Shaykh : I mean, it implies that he does not have money, meaning he trusts in his own ability to repay it.
The questioner : How, O Shaykh?
The Shaykh : I say, does he have money such that he trusts in his own ability to repay it when it becomes due?
The questioner : No, O Shaykh, the debt is on an installment basis for him.
The Shaykh : I understand it is on an installment basis, but for example, if the debt is like a mortgage bank loan now, where the debt, for instance, becomes due in Jumada, and the time for Hajj arrives, and he has money and knows from himself that when the time for the installment comes, he will pay it, then there is no harm in his performing Hajj even if he did not seek permission from the creditor. But if he does not trust in himself, or as I said, he has installments that he has not yet paid, then he should not perform Hajj.
The questioner : What is the ruling on the Hajj, O Shaykh? What is the ruling on his Hajj?
The Shaykh : He would be sinful, but his Hajj is valid, though he is sinful. How is it that Allah, Glorified and Exalted is He, grants him a dispensation, and he goes and burdens himself? Should he not fear that he might die on his way to Hajj or after his return? Yes, after that, it is finished. We start from... from the right.
The questioner : If it is separated.
The Shaykh : You took it, and you took this, no, there are some of the students.
The questioner : ...
The Shaykh : No, no, my brother, it will not do. Pardon, pardon.
The student: Let us start from the beginning.
The Shaykh : I mean, it implies that he does not have money, meaning he trusts in his own ability to repay it.
The questioner : How, O Shaykh?
The Shaykh : I say, does he have money such that he trusts in his own ability to repay it when it becomes due?
The questioner : No, O Shaykh, the debt is on an installment basis for him.
The Shaykh : I understand it is on an installment basis, but for example, if the debt is like a mortgage bank loan now, where the debt, for instance, becomes due in Jumada, and the time for Hajj arrives, and he has money and knows from himself that when the time for the installment comes, he will pay it, then there is no harm in his performing Hajj even if he did not seek permission from the creditor. But if he does not trust in himself, or as I said, he has installments that he has not yet paid, then he should not perform Hajj.
The questioner : What is the ruling on the Hajj, O Shaykh? What is the ruling on his Hajj?
The Shaykh : He would be sinful, but his Hajj is valid, though he is sinful. How is it that Allah, Glorified and Exalted is He, grants him a dispensation, and he goes and burdens himself? Should he not fear that he might die on his way to Hajj or after his return? Yes, after that, it is finished. We start from... from the right.
The questioner : If it is separated.
The Shaykh : You took it, and you took this, no, there are some of the students.
The questioner : ...
The Shaykh : No, no, my brother, it will not do. Pardon, pardon.
The student: Let us start from the beginning.