Can I buy a house by using mortgage from a bank?
Can I buy a house by using housing loan (mortgage) from a bank. I asked it to a few scholars and they told me that I could use it in state of necessity but I am not relieved. I also want to ask it to you? What do you think?

Mortgage is “a conveyance of an interest in property as security for the repayment of money borrowed” (wordreference.com).

As you can see in the definition, interest is conveyed through mortgage. Dealing with interest is one of the most important prohibitions in the Quran:

“Those who consume interest behave no differently than they who the Devil has confounded with his touch. That is because they say, “trade is equivalent to (gaining) interest.” God has made trade lawful and has forbidden transactions with interest. So, whoever has received an admonition from his Master and discontinues (dealing with) interest, what was received in the past belongs to them. God undertakes their affair (about the past interest income), but whoever resumes (dealing with interest) is a resident of the Fire. Therein they will abide as immortal.

God causes the business practicing interest to depress and the business practicing the zakat/the alms to grow. God does not love any of the sinners who are obstinate (about dealing in interest).” (Al-Baqarah 2:275-276)

Nobody loans without necessity. The important thing is avoiding to deal with interest even though you are in necessity. This is why you don’t feel relieved. Our prophet (p.b.u.h.) explained this measurement to Wabisa as follows:

“Wabisa, consult your heart, consult yourself! Goodness is what your heart finds peace in and what yourself finds peace in. Sin is what disturbs the heart, the thing that wanders around in chest, even though people had given you a fatwa or had found the thing that you do acceptable.” (Sunan Al-Darimi, Buying&Selling’, 2; Ahmad bin Hanbal, 4/228)

Facebook'ta PaylaşTwitter'da Paylaş
Date: Apr 10, 2013
Other Fatwas In This Category:
#   Title Date Reads 
1 Islamic Economics 2010.07.11 913
2 Is it lawful to buy cash by credit card? 2013.02.11 917
3 Buying Foreign Exchange by Credit Card 2014.03.08 1,065
4 BEY BI’-L-ISTIĞLÂL 2010.07.13 787
5 What is the difference between renting and interest? 2013.02.26 2,685
6 Death of a creditor 2014.04.25 1,094
7 Relation Between Alms and Market Economy 2011.04.28 774
8 Is it permitted to rent gold? 2013.02.26 790
9 Early Payment Discount and Interest 2014.05.27 1,474
10 What is the sentence for directing our customers to bank credits(loans)? 2012.01.05 555
11 How to borrow gold from jewelers? 2013.02.28 975
12 Partnership on a fixed profit 2014.11.06 1,447
13 Amount Of Interest 2011.04.14 1,024
14 What is the ruling on giving a tender to a predetermined company? 2013.03.11 631
15 Paying off debts by loaning 2015.10.22 1,333
16 Is it lawful -halal- to use the bonus points paid by banks? 2017.08.11 2,745
17 Is it permitted to rent our real estate property to banks? 2013.03.31 1,673
18 Using Counterfeit Goods and Pirated Content 2017.04.04 592
19 Is e-commerce legitimate? 2013.01.19 1,220
20 Stock market 2013.04.06 2,352
21 Is getting government scholarship lawful or not? 2017.04.04 645
22 What is the ruling on life insurance? 2011.08.06 1,366
23 Were the older communities ordered to give tax (zakat) like we are? 2013.04.12 619
24 Is Late Fee Considered as Interest? 2017.08.11 537
25 Trade and Usuary 2009.08.25 1,143
26 Is the interest from National Savings Certificates Haraam? 2012.04.24 14,561
27 Can we demand the loss caused by delayed payments from the debtors? 2013.04.27 689
28 Interest in My Health Savings Account 2017.11.22 219
29 Should we collect jizyah from our non-muslim neighbours? 2011.09.16 722
30 Is it permitted to get the 0% interest credits? 2012.06.16 1,105
31 Working in a company that borrows loan on interest 2013.05.19 1,031
32 USURY IN QURAN AND SUNNAH 2010.07.11 5,653
33 Can we give out the interest profit to the poor? 2012.12.17 1,751
34 Bonds 2013.05.31 1,414
35 USURY HIDDEN BEHIND IMAGE OF SALES 2010.07.11 961
36 Borrowing interest-based loans 2012.06.18 911
37 Buying and selling of public property 2013.07.23 1,360
38 PROHIBITION OF USURY 2010.07.11 1,459
39 Can I buy a house by using mortgage from a bank? 2013.04.10 1,514
40 Ruling on Leasing 2014.01.14 1,118
41 THE RELATIONSHIP BETWEEN USURY (Faiz) AND CHARITY (Zaqaat)) 2010.07.11 895
42 Will it be a sin if we give rushwat for taking our own property which is wrongfully seized? 2013.01.27 783
43 Missed Credit Card Payments 2014.01.20 905
44 THE WAR AGAINST ALLAH AND HIS MESSENGER 2010.07.11 1,098
45 Is it lawful to buy gold in installments by using credit card? 2012.07.21 2,238
46 Lending and Receiving in Different Currencies 2014.02.12 917
47 THE ATTITUDE OF MONEYLENDERS 2010.07.11 791
48 Is it lawful to buy and sell gold over internet? 2013.02.11 763
49 Trading unlawful things 2014.03.05 1,263