The Ruling on Deferred Sale with an Increase in Price
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Question:
What is the ruling on the debt, O Shaykh? Ten for fifteen, ten for fourteen, ten for thirteen?
Answer:
There is no limit to the profit. If they agree on it and settle on it for a known period, there is no harm. The Prophet (peace and blessings be upon him) bought one camel for two camels from the charity. So, if he buys goods for one hundred, for one hundred and fifty, or one hundred and sixty, or two hundred, for a deferred period or for deferred periods, there is no harm in that. Because the deferred period has its own status and value.
Question: Some of the money is paid in the contract session....?
Answer: There is no harm in paying some of it, with the rest deferred in installments. There is no harm in that if the installments are known. There is no fixed limit for the profit. However, it is better for the believer not to be harsh with his brother, but to lighten the profit for him. This is the conduct of a believer with his brother. But there is no fixed limit for this.
Question: But O Shaykh: Many of them, when the borrower comes to us and takes this cloth for fifteen thousand, when he comes to take it, he says: Let us deduct five riyals from every bag, or every box?
The Shaykh: What is the matter with it?
The student: I mean, this is a loan now. This one said to him: I want a loan of ten thousand from you. He said: I will not give you the ten thousand except for fifteen thousand. And he brought it to the shop owner to take the cloth from him for fifteen thousand, while its value is ten thousand riyals. Is this a trick for riba?
Answer: ... He buys cloth for a known amount for a known deferred period. The buyer does not sell it until he moves it to his place. If he buys bags or cloth from you for a known deferred period, then you, the buyer, do not sell it until you move it to your place, to your shop, to your house, to the market. Do not sell it at the merchant's place until you move it to your place. For the Messenger (peace and blessings be upon him) forbade selling goods until the merchants move them to their places. And he said:Sunan Ibn Majah 2187Hasan (Darussalam) There is no harm in buying it for a deferred price, giving some of it in cash, and the rest deferred in installments, for known periods, such as so much each month, so much each year. Something known, there is no harm in that. It was sold... in the time of the Prophet (peace and blessings be upon him)... one ounce per year in installments over nine years.
Question: But if the two, the seller and the merchant, agree with the buyer?
Answer: Even if they agree on it, and the money is present, there is no harm. But he does not sell something that is not in his ownership. If the money is present with him in the shop, in the house, and he sells a known item for a known deferred period, there is no harm. But the buyer does not sell it until he moves it from the merchant to his house, or the market, or to his shop. Then he sells it to whom he wishes after that.
Question: Does he not sell it in the same shop?
Answer: No, it is not permissible. This is not permissible.
What is the ruling on the debt, O Shaykh? Ten for fifteen, ten for fourteen, ten for thirteen?
Answer:
There is no limit to the profit. If they agree on it and settle on it for a known period, there is no harm. The Prophet (peace and blessings be upon him) bought one camel for two camels from the charity. So, if he buys goods for one hundred, for one hundred and fifty, or one hundred and sixty, or two hundred, for a deferred period or for deferred periods, there is no harm in that. Because the deferred period has its own status and value.
Question: Some of the money is paid in the contract session....?
Answer: There is no harm in paying some of it, with the rest deferred in installments. There is no harm in that if the installments are known. There is no fixed limit for the profit. However, it is better for the believer not to be harsh with his brother, but to lighten the profit for him. This is the conduct of a believer with his brother. But there is no fixed limit for this.
Question: But O Shaykh: Many of them, when the borrower comes to us and takes this cloth for fifteen thousand, when he comes to take it, he says: Let us deduct five riyals from every bag, or every box?
The Shaykh: What is the matter with it?
The student: I mean, this is a loan now. This one said to him: I want a loan of ten thousand from you. He said: I will not give you the ten thousand except for fifteen thousand. And he brought it to the shop owner to take the cloth from him for fifteen thousand, while its value is ten thousand riyals. Is this a trick for riba?
Answer: ... He buys cloth for a known amount for a known deferred period. The buyer does not sell it until he moves it to his place. If he buys bags or cloth from you for a known deferred period, then you, the buyer, do not sell it until you move it to your place, to your shop, to your house, to the market. Do not sell it at the merchant's place until you move it to your place. For the Messenger (peace and blessings be upon him) forbade selling goods until the merchants move them to their places. And he said:
Do not sell what is not with you.
لا تبع ما ليس عندكQuestion: But if the two, the seller and the merchant, agree with the buyer?
Answer: Even if they agree on it, and the money is present, there is no harm. But he does not sell something that is not in his ownership. If the money is present with him in the shop, in the house, and he sells a known item for a known deferred period, there is no harm. But the buyer does not sell it until he moves it from the merchant to his house, or the market, or to his shop. Then he sells it to whom he wishes after that.
Question: Does he not sell it in the same shop?
Answer: No, it is not permissible. This is not permissible.
Source
binbaz.org.sa
The Arabic text is copied verbatim from the original source, without any edits.