What is the ruling on one who wants to buy a car from a showroom but does not have the money, then goes to borrow the amount from another person, and that person says to him, “I will lend it to you, but it is”
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The questioner : ...installments, but the goods!
The Shaykh : But?
The questioner : The goods are not available with them.
The Shaykh : Yes.
The questioner : For example, a car worth one thousand dinars with any other seller, so you go to the institution and they sell it to you at a markup, knowing that the goods have not moved from the first seller’s place, and the markup is thirty percent.
The Shaykh : Here is a question: A man saw a car in a showroom, liked it, and wanted to buy it, but he did not have the money. So he came to a merchant and said, “Lend me fifty thousand to buy this car.” The merchant said, “No problem, I will lend you fifty thousand, but it will be on you in installments of sixty thousand.” What do you say about this? Is it permissible or not permissible?
The questioner : It is not permissible.
The Shaykh : It is not permissible. Now, if the merchant says, “I will buy it from the showroom for fifty thousand and sell it to you in installments for sixty thousand,” is that permissible?
This is a ruse that is not permissible. This is a ruse because the matter is one and the same. Its reality is that he lent you its value with an increase, because he did not buy this car except for your sake. Had you not come and said this to him, he would not have bought it.
Yes, if a person has cars that he keeps for the shop, and when a person comes to buy for cash, he says, “Fifty thousand,” and if he says, “I want it in installments,” he says, “Sixty thousand,” there is no harm in that. He is free; he has the right to tell the buyer, “It is fifty thousand cash or sixty thousand in installments,” and the buyer takes it one way or the other. But to say, “Go and choose the car that suits you in the showrooms, then I will buy it at my own expense and then sell it to you,” this is a ruse that is not free of doubt.
The questioner : If he requested it, did he request it?
The Shaykh : Huh?
The questioner : If he requested it, did he request it?
The Shaykh : Whether he requested it or not, it is known that he would not have bought it without you. In fact, he would not have bought it without the interest he will take from you.
Now, if he says, “I will buy it for fifty and sell it to you for fifty”?
The questioner : May Allah reward him with good!
The Shaykh : Yes? This is a loan. We say, instead of saying “I will buy it and sell it to you,” give me fifty thousand as a loan, and then I will pay it back to you.
The questioner : Now, if he says, after he has bought it, “If you wish, take it, and if you wish, leave it.”
The Shaykh : Had he not hoped that you would take it, he would not have bought it! That is the reality. Otherwise, they say and argue that if the merchant buys it, the second party is not obligated. But this second party did not come to ask you except that he was determined to take it. And secondly: if you knew that he would back out, you would not have bought it, without a doubt. For this reason, they say: if he backs out, he is written on the blacklist!
The questioner : Hehehe.
The Shaykh : With the merchant, so that he does not deal with him after this. And this is close to compulsion. Yes, Brother Musa indicates that he has called the adhan, and with it this meeting ends, and we will return, if Allah wills, to another meeting next week. May Allah guide us and you to what He loves, and grant us and you beneficial knowledge and righteous deeds.
The questioner : The place for istikharah?
The Shaykh : Huh?
The questioner : The place for the du'a of istikharah?
The Shaykh : After the taslim, and it does not mean that if we invalidate the general question, the specific one is permissible!
The Shaykh : But?
The questioner : The goods are not available with them.
The Shaykh : Yes.
The questioner : For example, a car worth one thousand dinars with any other seller, so you go to the institution and they sell it to you at a markup, knowing that the goods have not moved from the first seller’s place, and the markup is thirty percent.
The Shaykh : Here is a question: A man saw a car in a showroom, liked it, and wanted to buy it, but he did not have the money. So he came to a merchant and said, “Lend me fifty thousand to buy this car.” The merchant said, “No problem, I will lend you fifty thousand, but it will be on you in installments of sixty thousand.” What do you say about this? Is it permissible or not permissible?
The questioner : It is not permissible.
The Shaykh : It is not permissible. Now, if the merchant says, “I will buy it from the showroom for fifty thousand and sell it to you in installments for sixty thousand,” is that permissible?
This is a ruse that is not permissible. This is a ruse because the matter is one and the same. Its reality is that he lent you its value with an increase, because he did not buy this car except for your sake. Had you not come and said this to him, he would not have bought it.
Yes, if a person has cars that he keeps for the shop, and when a person comes to buy for cash, he says, “Fifty thousand,” and if he says, “I want it in installments,” he says, “Sixty thousand,” there is no harm in that. He is free; he has the right to tell the buyer, “It is fifty thousand cash or sixty thousand in installments,” and the buyer takes it one way or the other. But to say, “Go and choose the car that suits you in the showrooms, then I will buy it at my own expense and then sell it to you,” this is a ruse that is not free of doubt.
The questioner : If he requested it, did he request it?
The Shaykh : Huh?
The questioner : If he requested it, did he request it?
The Shaykh : Whether he requested it or not, it is known that he would not have bought it without you. In fact, he would not have bought it without the interest he will take from you.
Now, if he says, “I will buy it for fifty and sell it to you for fifty”?
The questioner : May Allah reward him with good!
The Shaykh : Yes? This is a loan. We say, instead of saying “I will buy it and sell it to you,” give me fifty thousand as a loan, and then I will pay it back to you.
The questioner : Now, if he says, after he has bought it, “If you wish, take it, and if you wish, leave it.”
The Shaykh : Had he not hoped that you would take it, he would not have bought it! That is the reality. Otherwise, they say and argue that if the merchant buys it, the second party is not obligated. But this second party did not come to ask you except that he was determined to take it. And secondly: if you knew that he would back out, you would not have bought it, without a doubt. For this reason, they say: if he backs out, he is written on the blacklist!
The questioner : Hehehe.
The Shaykh : With the merchant, so that he does not deal with him after this. And this is close to compulsion. Yes, Brother Musa indicates that he has called the adhan, and with it this meeting ends, and we will return, if Allah wills, to another meeting next week. May Allah guide us and you to what He loves, and grant us and you beneficial knowledge and righteous deeds.
The questioner : The place for istikharah?
The Shaykh : Huh?
The questioner : The place for the du'a of istikharah?
The Shaykh : After the taslim, and it does not mean that if we invalidate the general question, the specific one is permissible!