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Buying home on interest-based mortgage and Hajj

Fatwaa ID: 1467

Assalāmuʿalykum wa raḥmatullāhi wa barakātuh

A person had enough money to make Hajj obligatory upon him, but then he gave this money as a down-payment to purchase an interest based home. Now, he wants to perform Hajj. Will his Hajj be valid? Will he be absolved of his obligation?
Jazak Allah khairan katheeran

In the Name of Allaah, the Most Gracious, the Most Merciful.
As-salaamu ‘alaykum wa-rahmatullaahi wa-barakaatuh.

  1. It is haraam to purchase a house with a conventional interest-based loan. A person who does so is in reality buying himself a place in Hellfire. He is waging war against Allaah Ta’aala and His Rasool ﷺ, a war that he shall certainly loose. He is calling for regret and remorse in both lives.
  2. Once Hajj becomes obligatory on a person, it does not drop off until he performs it. This is even if he is no longer financially able.
  3. If a person performs Hajj while having an interest bearing loan, his Hajj will be valid and he will be absolved of the obligation. However, Allaah Ta’aala alone knows whether it will be accepted. He should try to refinance the home through a Shari’ah compliant Islamic financing scheme. If he is unable to do that, he should try to pay off and free himself from the shackles of riba. He must make sincere tawbah and istighfaar and show Allaah Ta’aala that he is truly remorseful over his foolish actions.

And Allaah Ta’aala knows best.
Mufti Muajul I. Chowdhury
Darul Iftaa New York

12/22/1444 AH – 07/10/2023 CE | AML1-8031

وصل اللهم وسلم وبارك على سيدنا محمد وعلى ءاله وصحبه أجمعين


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