A man has a car worth forty thousand riyals and a debt of fifty thousand riyals, and his salary of three thousand riyals is sufficient for him

The questioner : Sometimes, O Shaykh, a man has a car worth, for example, forty thousand riyals, and he has a debt of fifty thousand riyals, and he has a salary of three thousand riyals that is sufficient for him. He says, “I am in debt” or “I am a debtor.”

The Shaykh : In any case, if he has already bought it, we pay off the value of the car or the remaining value of the car for him. But if he is the one who wants to buy it and needs the car, we say, “All right, buy it.” He says, “I want to buy it for fifty thousand.” We say, “We will not give you fifty thousand, because you do not need fifty thousand, since a car worth twenty thousand is sufficient for you.” So there is a difference between having already bought it and becoming one of the debtors, or being about to buy it. If he is about to buy it, we do not give him anything except what is sufficient for him. And if he has already bought it and the money is established as a debt in his liability, we pay it off for him.

The questioner : And if he has properties, O Shaykh, for example, a farm or another property, and he has a debt of, for example, one hundred thousand.

The Shaykh : He sells from the property what is sufficient to settle his need. Yes.