AN URGENT QUESTION ABOUT "RIBA"

[hayat84]

:salam2:I hope you're in good health and Imaan.Me,I'm very good Mashallah!!
I am worried about the question of RIBA.My brother's in law wife told me that everything comes from an excess of money is Haram,and in particurarly she told that if somebody buys anything asking the bank an economical help,he's committing Riba,because he gets something with the INTERESTS.
I explain:we bought a home with the help of the bank,the bank payed the home and every month my husband has to pay to the bank a little part of the total amount with a surplus of interests.
Now,is it true that the home in which we are living today has been bought in an illegal way?my husband gains money to pay the home,but he could never have had the chance to buy it without another help,because is too much money.there is no islamic bank around us.Please is there any hadith that explais the real meaning of RIBA?I thought that everybody lends money and then claims to have the interests over them,is committing riba,but I never knew that even buying a car or a home,we are committing riba,because we give the interests to the bank.on the other hand I read that in some cases,muslims can make business with non muslims,and in this case,if for example my husband loses his work,the bank would help him blocking the exit of money that every month he has to pay,until he finds another job.I knew that the islamic bank has no interests,but if you don't finish to pay the home,they bring it back.so what it's right and what not?It's difficult to carry on with 4 children and only one job which allows us to live at home,with a car and everything we need.It is said that Allah gives His RAZAQ to whom He wants,but if you sleep ,He will help you to sleep and if you work,He will help you to grow up and emprove,and we had everything we asked,in a honest way.we didn't steal anything to anybody,but now I'm worried for the Hereafter:what will I say to justify our behaviour?
Can anybody of you show me a hadith,and a solution to this matter?:shymuslima1:

 

[ahmed_indian]

,

may Allah bless you for your Allah-fearing nature. sister, you may not know but taking home-loans or car-loans from banks on interest-basis is riba too.

it is unfortune that we do not have halaal options and Islamic banks in the needed places.

i really dont know if its ok for you or not due to your dire needs and necessary circumstances.

may Allah bless you and your family with halaal provisions. ameen

 

[hayat84]

THANK you brother for your support.we still have to pay the home until 2036,and,even if we don't know how much time will remai us to live,I hope we're doing the right thing,because we are granting a roof to our children.my husband is working hard to gain an amount of money which will allow us to sell the home before we finish to pay it,so he could buy another home with all his money.but it's really difficult,we need too much money and time,and believe me,the time is passing over our skins,the children are growing up and need to make their roots in their land of origin,not among a place of fitnah and ashame like Italy.I want to know how can we repair to this mistake,when it's already committed.

 

[JenGiove]

:salam2:

I hope this helps you.

http://www.islamqa.com/en/ref/110208/home%20loans

Praying in a home that was built using an interest-based loan​

I have a brother who built his home using an interest-based loan. When I visit my brother I eat in his home and pray. What is the ruling on this? Will my prayer be valid in that home, and is it permissible to eat there or not?.

Praise be to Allaah. Taking out riba-based loans is emphatically haraam, because of the warnings and curses that have been narrated concerning that, whether it is for building a house, buying a car or anything else.


The one who has fallen into this sin must repent to Allaah and resolve never to do anything like that again.


But he may use and benefit from what he bought or built with this loan, such as a house etc, because the money that was borrowed on the basis of riba belongs to him, and what he does with it of buying or building is valid.


Based on that, there is nothing wrong with you entering his house and praying there, or eating his food, so long as you call on him to repent and regret what he did before.


See also the answer to question no. 22905


And Allaah knows best.



Islam Q&A

http://www.islamqa.com/en/ref/22905

Benefitting from a house that was built with an interest-based loan​

3 years ago we bought a house with a morgage with interests [riba] after we heard a fatwa.now we finished paying it [we payed a big part of it cash ] my questions are ;-
1- is it halal for us to live in this house.
2- can we rent it.
3- can we use it as a work place . [business,work from home].

Praise be to Allaah.

Firstly:
You have to repent to Allaah for this interest-based loan, because interest (riba) is one of the worst of major sins. Allaah says (interpretation of the meaning):


“O you who believe! Fear Allaah and give up what remains (due to you) from Riba (from now onward) if you are (really) believers.
And if you do not do it, then take a notice of war from Allaah and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums)”
[al-Baqarah 2:278-279]


Ibn Katheer (may Allaah have mercy on him) said in his Tafseer (2/657):
“This is a stern warning and a threat to those who persist in dealing in riba after having been warned. Ibn Jurayj said: Ibn ‘Abbaas said: ‘Take a notice of war’ means, be certain of war from Allaah and His Messenger… and it was narrated that Ibn ‘Abbaas said: It will be said on the Day of Resurrection to the one who consumed riba: ‘Take up your weapon for war.’ Then he recited (interpretation of the meaning):

‘And if you do not do it, then take a notice of war from Allaah and His Messenger’​

[al-Baqarah 2:279].”

The Messenger of Allaah (peace and blessings of Allaah be upon him) cursed the one who consumes riba, the one who pays it, the one who records it and the two who witness it, and he said: “They are all the same.” (Narrated by Muslim, 1598).​

With regard to living in this house, if you have repented to Allaah then there is nothing wrong with you living in it or renting it out or using it as a place of business.​

The Standing Committee was asked about a man who took out an interest-based loan and built a house: should he knock down the house, or what should he do?​

They replied:​

If the situation is as you say, then what you have done by taking out this loan in this manner is haraam because it is riba. You have to repent and seek forgiveness for that, and regret what you have done, and resolve not to do such a thing again. With regard to the house that you built, do not knock it down, rather make use of it by living in it etc, and we hope that Allaah will forgive you for your careless action.​

Fataawa al-Lajnah al-Daa’imah, 13/411.​

We ask Allaah to accept our repentance and to help us to do that which He loves and which pleases Him.​

And Allaah knows best.
​

Islam Q&A

 

[hayat84]

:salam2:
my parents are still paying a home and they'll finish in 20 years,I really didn't know it,and now that I read the answers,I feel like the home is rejecting me,for what I've done.this is my failure,because it was me who wished to build a future with my husband and he granted it to me buying a home on loan.we didn't know it before.maybe we would have been more attentive,if we were aware of it and waited until we became older.may Allah forgive me.I wasn't so well informed as now:astag:

 

[JenGiove]

:salam2:
my parents are still paying a home and they'll finish in 20 years,I really didn't know it,and now that I read the answers,I feel like the home is rejecting me,for what I've done.this is my failure,because it was me who wished to build a future with my husband and he granted it to me buying a home on loan.we didn't know it before.maybe we would have been more attentive,if we were aware of it and waited until we became older.may Allah forgive me.I wasn't so well informed as now:astag:

Sister, you said it yourself, you DID NOT KNOW. You now know, are now asking for forgiveness and will not do it in the future. You were innocent in your actions because you were in the dark about riba. Enjoy your home and make it a place that Mohammad himself would joyfully enter. We are not perfect people so please try not to treat yourself as if you are and should have known better. This dunyah is a learning experience for the next. Be gentle on yourself.

 

[arzafar]

as explained above, riba based loans are haram. The argument that is often used to approve of such loan is that of dire need. But from an islaamic point of view 'dire need' is when you fear harm, death etc. i dont think anybody is risking death by refusing to take a loan from a bank. There are many apartments, big and small, available for rent.

 

[hayat84]

:salam2:thank you so much.this matter put me down of humour,because of the fact we're now obliged to pay something haram for us.the alternative could be to sell the home,give back the money cash to the bank and buy another home with only the money of the struggles of my husband.if only I could help in some way I'd do it.

 

[JenGiove]

:salam2:thank you so much.this matter put me down of humour,because of the fact we're now obliged to pay something haram for us.the alternative could be to sell the home,give back the money cash to the bank and buy another home with only the money of the struggles of my husband.if only I could help in some way I'd do it.

:salam2: Sister,

You CAN help. While your husband struggles to provide a halal existence for his family, you can help him by providing a serene place to come home to. When he walks in, provide for him sweet and warm smells that makes him draw in a deep breath that releases the stresses of his streuggles. Greet him with love and affection and praise when he comes home and regal him with stories of how wonderful his children are and how smart they are and how much they love Allah. Be that gentle place he seeks to rest his tired head at the end of a day, which in turn, will drive him to strive harder to please Allah because he knows, that the harder he tries, the better his home life gets.

The greater you expand your love, the greater he expands his arms to Allah.

 

[hayat84]

sister JenGiove,it's what I do everyday with my seetheart:ma:

 

[Abu Talib]

Assalamu`alaykum Warahmatullahi Wabarakatu

This is a complex situation since you entered into the contract without knowledge and failure in payments might result in being homeless or more interest accumulation. I did ask your question to shaykh Assim so this was his answer

this is what he replied:

As long as they have entered in this deal unknowing that it is forbidden and committed to pay and encountered an amount of loss, it is permissible to continue in it.

If they only paid one or two installments and they can end this transaction and leave it, this is a must.

If they have the ability to pay it off with lesser interest, they must do that. Otherwise, they can continue as they are doing that with remorse and hatred to what they are doing.

 

[JenGiove]

Assalamu`alaykum Warahmatullahi Wabarakatu

This is a complex situation since you entered into the contract without knowledge and failure in payments might result in being homeless or more interest accumulation. I did ask your question to shaykh Assim so this was his answer

this is what he replied:

If they have the ability to pay it off with lesser interest, they must do that. Otherwise, they can continue as they are doing that with remorse and hatred to what they are doing.

Since every person I know who owns a house and has to pay a mortgage hates that very fact, then that's not going to be a hard thing to do.

 

[hayat84]

THE BANK MADE US THE LOWEST INTEREST,WE PAY ABOUT THE 1'5%OF THE INTERESTS TO MAKE EASY THE PAYMENT.I don't want to be perfect,but I'd do anything for the sake of Allah

 

[PARVEZ SHAHIDI]

THE BANK MADE US THE LOWEST INTEREST,WE PAY ABOUT THE 1'5%OF THE INTERESTS TO MAKE EASY THE PAYMENT.I don't want to be perfect,but I'd do anything for the sake of Allah

Dear sister,

May Allah SuhanuwaT'ala, give you the knowledge and strength to do the right thing,

which will be beneficial for you and your family in this world and hereafter,

and protect you from the whisper of your greatest enemy(shyateen).

Your husband is very fortunate person.

Ameen

 

[hayat84]

:salam2:
Oh yes,he a very fortunate parson,but I had the fortune to marry him