Ruling on Mortgages in UK?

Discussion in 'Other Mad'habs' started by Adham12, Apr 7, 2020.

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  1. shahnawazgm

    shahnawazgm Well-Known Member

    I am not questioning mortgages in which case there are two opinions for Muslims living in non-Muslim countries. I explicitly stated alcohol which is totally forbidden.

    Abu Dawood - 3674
    Ibn ‘Umar said: The Messenger of Allaah (peace and blessings of Allaah be upon him) said: “Allaah has cursed alcohol, the one who drinks it, the one who pours it, the one who sells it, the one who buys it, the one who squeezes (the grapes etc), the one for whom it is squeezed, the one who carries it and the one to whom it is carried

    Tirmidhi - 1295

    The Messenger of Allaah (SAWS) cursed ten with regard to alcohol: the one who squeezes (the grapes etc), the one for whom it is squeezed, the one who drinks it, the one who carries it, the one to whom it is carried, the one who pours it, the one who sells it and consumes its price, the one who buys it and the one for whom it is bought.”
     
  2. Umar99

    Umar99 Veteran

    Post 15
     
  3. agent-x

    agent-x Well-Known Member

  4. Alf

    Alf Active Member

    I have read that selling swine, carrion to a harbi is permissible:

    .... and there is no riba between a muslim and a non muslim citizen of darul harb i.e a harbi( and Abu Yusuf and al shafi opposed this)... and likewise if he sold them carrion or swine or gambled with them and earned money, it is permissible...( and because their money is permissible for the Muslim) and this applies with certainty to (all kinds of ) prohibited money (except that) it is haram for the muslim if it is earned by dishonest means ( if it is not obtained by dishonesty, it is permissible, no matter which way it is obtained), after consent has been obtained [ Fath Al Qadir, Vol 7, book of selling, chapter on interest (riba), pages 37 through 39]

    I have been trying to understand this issue myself. One mufti explained this by saying such sales are allowed only if a person did not buy it himself, for example: if a non muslim gifts a haram thing to a muslim, he is allowed to sell it to other non muslims. I would like to know what other muftis say about it.
     
  5. shahnawazgm

    shahnawazgm Well-Known Member

    No scholar of the Ahle Sunnat will ever say that the sale of alcohol is allowed. It is totally forbidden. Where did you read it?
     
  6. Umar99

    Umar99 Veteran

    I was interested about this since many Wahhabis use this as a point against us and also the sale of Alcohol and off licence shops which I have read to be allowed in the Hanafi madhab in a non Muslim country, if anyone could shed light in this please? Jazakallah Khair.
     
  7. Haqbahu

    Haqbahu Veteran

  8. YaMustafa

    YaMustafa Well-Known Member

  9. snaqshi

    snaqshi Active Member

    سم الله الرحمن الرحيم

     
  10. inquisitive

    inquisitive Well-Known Member

    So to take interest from a Non-Muslim is allowed in a Non-Muslim land, but you cannot give interest to Non-Muslim in a Non-Muslim land...?
     
  11. snaqshi

    snaqshi Active Member

    بسم الله الرحمن الرحيم

    Yes bro that was the risalah i was talkign about, might be useful for discussion to upload the whole risalah if its available in pdf
     
  12. ahmad786

    ahmad786 Active Member

  13. snaqshi

    snaqshi Active Member

    بسم الله الرحمن الرحيم

    I am pretty sure i have seen a small risalah written by Maulana Shahid Raza Naeemi (central Moqsue, Leicester) on the issue, I'll try dig a copy out
     
  14. Exposition

    Exposition Active Member

    I recall that shaykh asrar took a shot at mufti taqi usmani for his fatwa on mortgages.....somewhere in the IKT refutation. Mufti taqi usmani has changed his mind several times, I don't think he backs 'islamic' mortgages anymore
     
  15. snaqshi

    snaqshi Active Member

    بسم الله الرحمن الرحيم

    One of my brothers friends use to be a bank manager for Kuwait Banking and this is what he says...when you pay into life insurance, your money (the fund) is then invested by the company on your behalf into stocks, shares or committees. Normally when you take out such things you are asked whether you wish your money to be invested in safe or unsafe transaction where the profit yield is much higher, normally "the fund" is split across safe and unsafe transaction, so as to yield more profits across the life of the plan. It is known in the past that these "funds" (your money) have been used to bolster up unsecured lone at high profit yields over short period of time (e.g. large multi-nationals require quick cash flow etc). Generally, depending upon how the money (the fund)is invested it is almost always linked to some sort of riba, hence its haraam.

    Where as paying into a death committee is not the same, since you get paida certain amount say "£2000-£3000", which is made up exclusively by yearly subs.

    Allah knows best
     
  16. CHISHTI

    CHISHTI Well-Known Member

    ...ive heard the same as related by brother Aqdas....also the Muslim community had to establish itself and couldn't do that if we were all renting, especially masaajid, on a temporary basis..i also read deobandi "ulema" allow multiple properties....i was asked a question kind of related about life insurance..if it's haram then how does it differ from death "cometey" which most of us seem to pay into...is it that life insurance pays out a substantial amount where as death cometey only pays for funeral expenses, plane tickets etc?
     
  17. Aqdas

    Aqdas Staff Member

    I've heard many sunni muftis say one property on mortgage is permitted but no more. one because a roof over your head is a necessity and it's easier and more practical in the long term to get a mortgage than to rent. e.g. with current interest rates, it's generally cheaper to buy than rent and also, with current prices, one wouldn't be able to buy a house unless he took a mortgage.

    no more than one though. getting a second property on mortgage just to rent out etc. wouldn't be permitted and would come under riba.

    ---
    but, I am sure there are other sunni scholars who wouldn't even permit one property on mortgage. maybe theirs is a case of taqwa over fatwa or they consider the old argument of daru'l harb etc.

    ---
    again, I would love to see mufti nizamuddin's take on this. I wish the fiqh seminars of ashrafia were all archived online...

    ---
    Allah ta'ala knows best.
     
    Last edited: Nov 11, 2014
    Harris786 likes this.
  18. Haqbahu

    Haqbahu Veteran

    What do our `Ulama say?
    Here the answer by Abu Layth Maliki:

     

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