Wednesday, April 17, 2024
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Regret after buying a house on mortgage

Fatwaa: 2111

Question:
Assalam-o-Alaikum,

I bought a house on mortgage about 3 years ago on conventional mortgage from a Bank. I was not very well devoted muslim at the time so I committed this grave sin. I am realizing now that I have committed a huge sin and I am feeling extremely uncomfortable and bad about it most of the time. Please guide me what to do and how to get rid of this? Do I have to sell the house? or just doing sincere Tauba would be enough? If I have to sell the house, how about the profit that I will gain from the sale of the house as the market value of the house is much higher than when I bought the house. Can I use that money or is it prohibited on me to use that?

PS: I am based in Canada, and I have tried to contact the local Mufti Desai Students fatwa websites however for now they are not accepting new questions therefore I am contacting you.

Regards,

Anonymous

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

May Allaah Ta’aala bless you and fill your life with khayr and barakah. Your realization is a blessing from Allaah Ta’aala and your desire to rectify your matters is commendable. May He keep you steadfast upon the Deen.

In the enquired situation, if you are able to come out of the shackles of haraam, then that would be the best. You may have the house refinanced through a Shari’ah compliant Islamic financing scheme or sell it. In the latter case, you may keep and use the profits.

And Allaah Ta’aala knows best.
Mufti Muajul I. Chowdhury
Darul Iftaa New York
https://askthemufti.us/

07/29/1445 AH – 02/10/2024 CE | 820

وصل اللهم وسلم وبارك على سيدنا محمد وعلى ءاله وصحبه أجمعين

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