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Question Summary:
Many banks in pakistan offer loan without interest for HAJ. Is this allow in Islam to take loan from bank without interest and give some of the % before and rest in instalment after HAJ. If no then why Banks like meezan , dubai islamic offering it.

Question Detail:

Many banks in pakistan offer loan without interest for HAJ. Is this allow in Islam to take loan from bank without interest and give some of the % before and rest in instalment after HAJ. If no then why Banks like meezan , dubai islamic offering it.

Do we have any fatwa for this.

Answer :

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In the name of Allāh, Most Gracious, Most Merciful


Assalāmu ῾alaykum wa Rahmatullāhi Wabarakātuh

 

Without referring to any bank, in principle, providing loans is highly encouraged to a needy person.[1]

(Sunan Ibn Mājah, Vol.2 , Pg.812, Dārul Fikr,Bairūt)

 

According to Dārul Iftā’s research, every bank has its own conditions in providing interest free loans for Umrah and other purposes. Therefore, kindly provide us the details/conditions of that particular bank which is willing to provide such a loan. We will clarify then accordingly.

And Allāh Ta῾āla Knows Best
Wassalāmu ῾alaykum 

 

Ml. Abdur Rahman Shareef,
Student Dārul Iftā

 

Checked and Approved by:

Mufti Ebrahim Desai
Dārul Iftā, Madrasah In῾āmiyyah

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[1]  حدثنا أبو حاتم . ثنا هشام بن خالد . ثنا خالد بن يزيد بن أبي مالك عن أنس بن مالك قال قال رسول الله صلى الله عليه و سلم : رأيت ليلة أسري بي على باب الجنة مكتوبا الصدقة بعشر أمثالها . و القرض بثمانية عشر . فقلت ياجبريل ما بال القرض أفضل من الصدقة ؟ قال لأن السائل يسأل وعنده . والمستقرض لا يستقرض إلا من حاجة (سنن ابن ماجة،باب القرض)

 

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