The Ruling on Hajj for a Person in Debt
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Does a person who owes money to banks also have to perform Hajj?
Answer: Hajj is not obligatory for him; because Allah says: [Al-Imran: 97] And in the hadith, the Prophet (peace and blessings be upon him) said: Jami` at-Tirmidhi 2609Sahih (Darussalam) And in the hadith of Jibril, he said to him: .
The point is that Hajj is not obligatory except with the ability to perform it. If a person is in debt, he must start by paying the debt. If he performs Hajj while still owing the debt, his Hajj is valid. However, it is obligatory for him to pay the debt before performing Hajj, unless the creditors permit him to delay it and forgive him for performing Hajj. If the debt is limited to specific people and they permit it, there is no harm. Otherwise, it is obligatory for him to pay the debt first. If he performs Hajj and does not pay the debt, he owes nothing; his Hajj is valid. If he has money from which he can pay, or if he has wealth such that performing Hajj does not put him in danger, then Hajj is obligatory for him if he has the ability and means. If he has the ability but is negligent, his Hajj is valid, but Hajj is still obligatory for him, and it is also obligatory for him to hasten to pay the debt if he is able to do so. As for if the creditors are absent, or he does not know them, or something similar prevents him from paying the debt, he performs Hajj, and whenever he finds them or is able to reach them, he gives them their rights. Yes.
Answer: Hajj is not obligatory for him; because Allah says:
And [due] to Allah from the people is a pilgrimage to the House - for whoever is able to find thereto a way
وَلِلَّهِ عَلَى النَّاسِ حِجُّ الْبَيْتِ مَنِ اسْتَطَاعَ إِلَيْهِ سَبِيلًاIslam is based upon five: the testimony of La Ilaha Illallah, and that Muhammad is the Messenger of Allah, the establishment of the Salat, giving the Zakat, fasting (the month of) Ramadan, and performing Hajj to the House.
بني الإسلام على خمس: شهادة أن لا إله إلا الله وأن محمداً رسول الله، وإقام الصلاة وإيتاء الزكاة وصوم رمضان وحج البيتfor whoever is able to make the journey
لمن استطاع إليه سبيلاًThe point is that Hajj is not obligatory except with the ability to perform it. If a person is in debt, he must start by paying the debt. If he performs Hajj while still owing the debt, his Hajj is valid. However, it is obligatory for him to pay the debt before performing Hajj, unless the creditors permit him to delay it and forgive him for performing Hajj. If the debt is limited to specific people and they permit it, there is no harm. Otherwise, it is obligatory for him to pay the debt first. If he performs Hajj and does not pay the debt, he owes nothing; his Hajj is valid. If he has money from which he can pay, or if he has wealth such that performing Hajj does not put him in danger, then Hajj is obligatory for him if he has the ability and means. If he has the ability but is negligent, his Hajj is valid, but Hajj is still obligatory for him, and it is also obligatory for him to hasten to pay the debt if he is able to do so. As for if the creditors are absent, or he does not know them, or something similar prevents him from paying the debt, he performs Hajj, and whenever he finds them or is able to reach them, he gives them their rights. Yes.
Source
binbaz.org.sa
The Arabic text is copied verbatim from the original source, without any edits.