I am resident of Canada and paying a large amount of money in shape of rent.
Mu' meneen Brothers and Sisters,
As Salaam Aleikum wa Rahmatullahi wa Barakatuh.
(May Allah's Peace, Mercy and Blessings be upon all of you)
One of our brothers/sisters has asked this question:
AOA
Dear Mr. Burhan
I am
resident of
Regards.
Wasim
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Answer:
House mortgage
In the name of Allah, We praise Him, seek His help and ask
for His forgiveness. Whoever Allah guides none can misguide, and whoever
He allows to fall astray, none can guide them aright. We bear witness that
there is none worthy of worship but Allah Alone, and we bear witness that
Muhammad (saws) is His slave-servant and the seal of His Messengers.
Allah says in the Holy Quran Chapter 2 Surah
Baqarah verse 274-276:
But
those who devour ‘riba’ become like the one whom Shaitaan has bewitched and
maddened by his touch. They have been
condemned to this condition because they say,
“Trade is just like ‘riba”, whereas
Allah has made trade halaal and ‘riba’ haraam. Henceforth,
if one abstains from taking ‘riba’ after receiving this admonition from
his Lord, no legal action shall be taken
against him regarding the ‘riba’ he had devoured before: his case shall ultimately go to Allah. But if one repeats the same crime even after
this, he shall go to Hell, where he
shall abide for ever! Allah deprives
‘riba’ of all blessing and develops charity,
and Allah does not like an ungrateful,
sinful person.
Allah says further in the Holy Quran Chapter 2
Surah Baqarah verse 278:
O Believers!,
fear Allah and give up that ‘riba’ which is still due to you, if you are true believers. But if you do not do so, then you are warned of the declaration of war against you
by Allah and His Messenger!
Allah says in the Holy Quran Chapter 4 Surah
Nisa verse 161:
That they took ‘riba’, although they were forbidden. And that they devoured men’s substance
wrongfully. We have prepared for those
among them who reject faith a grievous punishment (of Hell Fire)!
Al-Tirmidhi Hadith 2827 Narrated by Abdullah ibn Mas'ud
Allah's Messenger (saws) said, "Even
though usury be much, it leads in the end to penury."
Al-Tirmidhi Hadith 2829 Narrated by Ali ibn AbuTalib
Ali said he heard Allah's Messenger (saws)
invoke the curse of Allah on those who took usury, those who paid it, those who
recorded it, and those who refused to give sadaqah.
Dear and beloved brother in Islam, it is neither the
taking out of a loan nor a mortgage which by itself is unlawful or prohibited
in Islam; what is unconditionally and specifically and categorically prohibited
and absolutely unlawful in the Sight of Allah Subhanah is the ‘interest’
element in the loans or the mortgage.
There is absolutely no harm in Shariah if one wishes or
needs to take a loan or a mortgage to fulfill their needs, provided the
loan/mortgage is Shariah compliant and thus free of interest; but to indulge in
an interest-based loan or mortgage would be absolutely against the Guidance,
Commands and Boundaries of Allah Subhanah.
If one trusts, obeys, and follows the guidance and
commands of Allah and His Messenger (saws),
one can be assured of never ever being misled; but if one believes, obeys and follows any
other guidance, other than that of Allah and His Messenger (saws), one can be
assured of being led astray.
Whatever written of Truth and benefit is only due to
Allah’s Assistance and Guidance, and whatever of error is of me alone. Allah Alone Knows Best and He is the Only
Source of Strength.
Your brother and
well wisher in Islam,
Burhan
Wister