i can't buy a house in america without mortgage i have to take a loan Dr Zakir Naik
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- Опубликовано: 1 авг 2024
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Been living in Australia for 8 years now. Always lived in a rented home, bought a used car with upfront payment and never had a credit card. All my friends have taken mortgages and they bought new cars on finance but Allah has given me Istiqamah to follow the rules of Quran and Sunnah, Alhamdulillah. May Allah protect us all.
MashaAllah
I am from Australia too struggling for buying a house but you can buy house only on mortgage and that's Haram
Brother you will house in Jannah
ameen ya rabbil alamaeen . me 20 years almost in usa can't buy a new car / house but Alhamdulillah happy
Same brother Khurram. I have been living in Australia for 4 years and got to know that the only way to get your own house is to follow the bank loan process/mortgage. Same case, I want to avoid it as well. I also bought a second hand car when I was able to get it on finance. May Allah give is isteqamah.
I m in overseas for 22 years now, living on rental, i have a current/cheque account for around 15-17 years, my bank can easliy give me loan according to my statement, sometimes it gets very hard, like the amount i pay for rental same amount can be bank’s monthly payment, and shaytaan attack so hard on that, but i always make dua to ALLAH that O ALLAH I AM PAYING RENT HERE ALTHOUGH I GOT OFFER FROM BANK TO BUY MY OWN HOUSE ON MORTGAGE, AS YOU MADE IT HARAM SO I LEAVE IT ON YOU TO MAKE ME A HOUSE IN JANNAH, AMEEN
You’re just making the corporations rich. Btw those apt complex are built on riba money also.
@@Believer1995ofGod so he needs to live on the streets? the landlord can charge you interest if you are delaying payment . he doesnt pay interest thats the most important thing , the apt maybe build on interest but what has that do with him.
MashAllah MashAllah
mashaAllah
May your heart be at easy and full of bliss by the will of Allah.
BarakahAllah for you kind and understanding choice. You give strength to those who feel alone in this world, mashaAllah :)
We are a family of 9 and lives in India.We have been living in a rental apartment for almost 20 years, we got home loan offers from bank so many time but my father rejected them,we also go through mental abuses from our relatives for living in a rental house but we didn’t reacted to them and now with the grace of Allah construction of our house is going on and that too without a single penny from loan,Alhamdulillah.
Alhamdulillah
These people don't know how banks work
Alhamdulillah, please make dua for us to build a house of our own without loan
@@rikishi555 dear it is very unsafe to buy house on loan cause most of people r in private job so future is totally uncertain . and if u skip 3 consecutive emi then bank will auction ur home with out ur permission . so best way to buy house without loan weather it is small one . and have peace of mind.
@@hinaali3232 yes, poor people don't know how to make money. They must stay poor. Never borrow. Always stay poor.
I have been living in the west for 24 yrs. Almost all of my friends and family have bought houses on mortgage. I never did.
Eventhough i was criticized that it is ok since we live here. Alhumdolillah, Allah protected me.I ask Allah to protect us all from this grave danger of Riba. Amin
May Allah SWT grant you all the success of this life and here after.
Jazakallahukhair Br.
May Allah grant you Jannah Amin
And riba is not fixed. And can couse you lose your home
Ameen
Ma Shaa Allah brother
May Allah keep us on His path.
Aameen
I grew up in the west from a very young age and we always rented and all of us became successful professionals. Now Allah enabled me to buy a house with full cash. My point is you have to follow the rules of Islam, interest based contracts are not permitted.
Same here. If you stay away from something that is prohibited by Allah and be patient, Allah will give you even more. Alhamdulillah! May Allah guide us.
The issue is you buyed the house with full cash upfront but YOU DON’T ACTUALLY OWN THE HOUSE! you are still a slave to the government and they own you. Just stop paying property taxes and watch what happens!! It’s a sad 😞 feeling brother
Did you paid tax?
99.99% of Muslim friends don’t pay tax😂😂😂.
@@Shaftaloooooif somebody is so committed to their religion that they’re willing to wait and wait and wait for the sake of their creator and to please Him, by not getting a mortgage and going the easy way. Why do you think that person will cheat the maker, let alone the govt. and evade tax?
I’m sorry but it sounds senseless
@@50CenT123smoke
Conflict of interests, today many of my muslim friends evade tax, cheat the government, take advantage of government benefits.
They think money going out of their wallet is Haram but coming into their wallet is okay. I’m originally from Afghanistan and surprised that tax evasion is very common among South East Asians and Africans.
Our Muslim brothers and sisters should take heed. Riba is forbidden.
Rent for now. Combine resources with family. Invest and do good business for the next ten years. Allah will bless and increase, insha'Allah. Do not let Shaitan mislead you.
Allah protect us .
Taking interest is Haram, but buying a house by taking mortgage, here we are paying interest is it Haram too?
@@SaleemKhan-jb8dq Yes. Riba is one of the easiest way to get to hell.
@@SaleemKhan-jb8dq taking or giving riba both are haram just as taking or giving bribe both are haram. signing any contract which has interest clause in it is haram. believe in Allah's guidance, and trust Him only. it may seem like a difficult choice but Allah knows what is best for us.
Rent is also ribbah and haram. According to Quran, Allah says all the land and universes belongs to Allah. So how someone can share a fix percentage on house when its belong to Allah?
@@DesignbyBK by your logic nothing can be bought or sold
I live in Canada for 7 years now. Rent is increasing year by year... I'm paying approx. $3K/month... There are so many people out there or imaam giving fatwa that it is permissible... STAY AWAY FROM IT brothers and sisters. Allah is giving barakah in my wealth, my job, my family... Though I don't have a home here in Canada but I'm happy and I'm not in WAR with Allah...
I’ve been looking for this answer for years! I always could tell that it was wrong to be involved with mortgages, but in the west we are made to feel so crazy to even consider such a thing. Thank you for clarity. I will live like a traveler
What’s your job dear brother?
*I live in California, I pay 4k in rent I can buy the house and pay 3k in mortgage but I refuse too…*
May Allah reward you and us all brother
Your house owner is having a mortgage.. You are helping him to pay his mortgage..
Stupid laws reminds old school jewish laws 😝😝😝.
If you are in pakistan.. Do you know the foreign debt of pakistan...The prime minister still begging to west and taking debts and paying interest. The non interest system in islam is a hypocrisy...This is same as people can't consume pork but government can inject the whole Islamic country by a vaccine made from pig 🐖...
Why don't you buy a small townhouse or a condo in outskirts of the city?
subhanallah brother you are strong.
@@halfvolley11 so I can burn in hell??? No thanks.
I live in a rented property in the UK and would pay much less for a mortgage than my rent. I've moved homes 4 times in the past 6 years, the most recent was due to a no fault eviction. I refuse to get a mortage though for the sake of Allah and I have seen so many blessings and barakah as a result alhamdulillah. I recommend using the money you would have put down as a house deposit to grow a business for the sake of Allah and just trust in Him. I pray I can buy a house one day outright without a loan inshaAllah.
May Allah bless you.
Ameen
Most Muslims will die without owning a house
Ameen may Allah grant you the risq to buy a house cash with no interest
but when you pay rent your paying for someone elses interest most house on rent are paid by interest repayments
Alhamdulliah for being such a lucky guy to see my favourite speaker after long from the childhood.Really miss this great man.
Wonderful question, wonderful answer. May Allah bless all of us.
Some Mutawa in Bangladesh told my wife that taking interest is halal for some people till they are out of trouble such as poverty and etc. Astaghfirullah, I never admited and took any ribah. Alhamdulillah now we are much better than before.
Alhamdullillah brother!
I'm very glad you didn't take ribbah!
Alhamdullillah, Allah has guided you MashaAllah! 🌦️🤲🕊️
@@zunairahmed2560 May ALLAH always keep us steadfast in our Deen.
@@bobgame763Allahumma Ameen! 🤲🕊🕊
May Allah SWT keep you steadfast on deen.
If Allah tests you it’s going to be hard but if we do something haram it’s not going to help the state we are in. May Allah forgive us all, we are weak! The mutawa is a fool not an Alim in the Islamic field, he’s Alim in shaytani field. Instead of giving you this advice he should have kept his mouth shut. Mullahs in Bangladesh and south east Asia are corrupt except for a few, a real one is hard to come by.
This is the realest thing I have heard about this subject. Living in Canada my whole life I noticed one thing, if you want to get buy a house you will actively look for anything that will support your purchase. To be honest we here forget what is hallal and Haram. We sometimes look for sheikhs to give us the wrong information. I purchased a property with a mortgage a number of years ago and sold it. Alhamdullilah I did. This is not a good way to buy a house, causes financial instability and makes you a slave to the banks. Rent for as long as needed and stay away from Haram. Thanks dr. For your honesty.
I asked this Question in your live session. It also applies to building a Mosques and buying land for Masjid. Also for muslims to establish in such countries and become strong. Someone posted this question to Mufti Tariq but I don't what his reply.
Alhamdu lillah.
May Allah tha ala bless you shaikh Zakir and your entire family.
After having to see your presence only,I felt so confident to speak about Islam and it's teaching openly.
After that,I started to ponder over the alquran so immensely and I now have the ultimate compassion towards alquran.
Alhamdu lillah.
Pls make dua for me sister
allhaaa is a false god...
@@vkrajuk these beggar bags don't have anything else to do but follow a false cult.
@@ayishasideeka8029 zakir madherchod is the biggest gay
Such a well explained video, it’s so sad that our parents and our generation have no idea and have so much influence on us because all I use to think was buying a house on mortgage paying interest was security and it’s took me ages to realise that’s it’s not and it’s so wrong of these local imams to give false information to people because these people go ahead and buy homes and pay interest and then teach that to there freinds and family
Subhan Allah. great and expected answer. if islam allows riba then there is no difference between falsehood (other religions) and islam. that is why Allah is worthy of worship.
Alhamdulilah Jazak’Allah Al Khair for true guidance
What a beautiful way to put it - your house in Jannah is more important. That nails it.
I’ve found out there’s a huge difference between usury and interest.
Make a research and find out for yourself, but the thing is, Quran talks about riba, and the meaning of the word ‘riba’ is usury, which is quite different from interest.
This is a very complex topic to be honest, but I’m sure there’s more to what is being explained in this video.
I’m going to seek more knowledge.
Also, is it the person taking the interest out of need at fault or is the person lending the money at fault. I wonder. In Islam you can eat pork if it means surviving. I don't see why the same wouldn't apply here. On top of that, I don't believe in that statement that the Prophet said "if you take riba its worse than sleeping with your mother". This is why hadith is bad imo. People take whats in it like its the Quran. Sometimes putting hadith over the Quran with their ruling/beliefs.
How is interest different to usury
As Dr. Zakir told ,
** Are you want to take risk to losing the the house of Jannah for the house in earth.
** We are travelers in earth for few days, and travelers stay in hotel (rent house). If you have cash money then it's different.
** If you have no ability at this moment & there is choice of halal or haram, like rent (halal) or mortgage (haram), you must chose the halal way.
Because it's a test for you from Allah.
"Surely, Allah is with those who are patient"
Surah Baqarah :153
** Either you take money from your capable Muslim brother without interest by lending, if you have that kind of brother
or
Save money for future And keep believing in Allah, So, that one day 'In Sha Allah' Allah will provide you. Of course Allah will provide to the believers.
** And most importantly, only believe in what Allah & our Rasul Muhammad (PBUH) says in Quran & Hadith.
Avoid what others (new moderate so called Islamic scholar) says. If it's their personal opinion or group opinion, if it's against Quran & Sunnah , then it's avoidable. Because saitan is always want to misguided you by his minions & followers.
@@thunderwt9921 damm how do havr so much time to write thatr in a yt comment section?
Love ur reply Dr zskir naik ...house in jannah is more important and this house in this world
Absolutely right ALLAH mehfooz rakhe Ameen
Great Personality.
May Allah bless you here and hereafter 🤲🏻🤲🏻🤲🏻
Asalam alikum warahmatullahie wabarakatahu. Allhamdullilha mera bhai zakir bahooth khushie huwe aap ki vedeo dek kar ALLAH SWT aap ko khush rakhaa aap ki hifazath farmaya aap ki family ki hifazath farmaya ...Ameeeen
Agreed 100%. Living in America, Canada, the UK, or wherever because Banks are everywhere. It's not an excuse to compromise Aakhrit. If Muslims don't follow Islam in other countries how the non-Muslims would know about Islam? Islamic culture differential teachings, laws from other religions?? In foreign you have to be a more responsible Muslim than in your own country. Non-Muslims are also trapped in banking interest rates. They pay mortgages for a lifetime, the cycle never ends, and work like slaves of the Banks.
inflation is much bigger now than any mortgage rate. Riba was prohibited in time when money were golden. Now money is paper that has no value. So if we keep them they just depreciate. And mostly riba prohibited in a way as to give money to others and charge percentage. Because golden money never deprecate. It has some value after 1 year and 10 year also. But paper money returned after 10 years will depreciate maybe 10 times in some countries. So think deeper and wider please.
So making your money depreciate and paying rent for buildings that also built on percentage money is not the best way to show Islam. Be humble, kind, nice, generous, honest - this is better way to show Islam for people overseas.
@@user-bd8lu9id1r fine in 21 century without drinking alcohol promotion at job is harder, so I will drink alcohol as well = same concept as protecting economic value of your asset.
There are many rich successful people who live on rent in New York.
@@ahmedzakikhan7639 no it’s not same At all. When person land 10$ and ask after 10 years you give me 15$ his intention is not to get more, but just to keep his money in value. But if we speak about golden coin it has value even after 100 years. Same with flat. If you save , your 10 ths today will become like 1 thousand after 20 years. So if inflation rate is same as mortgage you are not actually paying anything extra. However if we buy apartments with gold coins it’s another story.
@@ahmedzakikhan7639 it’s all about intention. We are not allowed to charge people purposely and put them in debts. But if inflation is that high it’s actually lending 10 dollar and getting back 1 dollar. Islamic banks charge more than normal banks. Why? Because they also just try to protect themselves from inflation
@@user-bd8lu9id1r When people run successful business at managing night clubs or bars they make way more returns on investment than investing in Real estate. So now do that.
Your logic that buy real estate because it makes you richer is unreal.
Being dishonest can also make you richer, should you do that ? In Islam taking interest is worse than being dishonest or bribing.
Any one can buy a house in America either by paying full amount or by taking mortgage. There is no rule that how you pay it. The seller doesn’t care. Weather you pay cash or through mortgage. He gets his money at the time of sale.
I would like to listen to our shaikh when he explains the difference between nominal interest and real interest and how sometimes in an inflationist economy a nominal interest can be less than real interest. And when such negative interest occurs can this still be called riba.
Jazak Allah khairan katheerah brother
Very well explained, Alhamdulillah
I am very interested in knowing the "many other way" to get money to buy a house as you mentioned
Excellent clarification unfortunately so many Muslims are using riba on a daily basis even cars on a lease is forbidden as riba is involved a lot off business people all use riba and make excuses as to why they feel it’s ok
The prophet SAW lived in Mecca when it was a non muslim country for most of his life. The haram was filled with idols. He did not compromise on his principles for one second. We need to follow our taqwa at all times.
Been in the US 🇺🇸 for 13 years now and it’s hard to avoid this but if you can do please and May Allah guide us ameen ya rabb
If Allah hadn’t guided you, you wouldn’t be in a place like America. If you pay your taxes then mortgage shouldn’t be a problem.
Rent is not cheaper anymore... Rent is actually more expensive than mortgage now in US.
Hi. I am from bangladesh. My mother is taking interest to make a home. I have tried telling them not to. Tried to make em understand. All i got was shmed by my family,. And they telling there is no other way. I tried telling them. Sell your flkat and buy one flat it will do. My mom listens to more to my sister., And she isnt into Islam. I have been shamed called bad things from my family. I amreally frustrated. I just cant abandon them. I hoping to live alone with my wife. and not stay in that house. Please pray for me So i can take that hard step.
May Allah make it easy and provide means to help you in sustaining your family. Indeed threading the path of truth will become something quite hard and one will start to seem like a stranger in the society or environment. But with Iman and steadfastness, you’ll surely have conviction that you’re doing the right thing. I pray Allah opens more doors for you to provide for you, your wife, kids and others in your care. Ameen 🤲🏾
Stay strong and hold onto your deen, brother. May Allah make it easy for you.
Allah doesnt hold someone accountable for someone else's sin.. That's all I can say from my side. Best you can do is to tell them not to otherwise Allah going to punish them
@@IrfanQuraeshi I know but my mom will be hold accountable. Thats why i am more sad or more. Brother I feel like I am useless to them. I am speechless just helpless.
inflation is much bigger now than any mortgage rate. Riba was prohibited in time when money were golden. Now money is paper that has no value. So if we keep them they just depreciate. And mostly riba prohibited in a way as to give money to others and charge percentage. Because golden money never deprecate. It has some value after 1 year and 10 year also. But paper money returned after 10 years will depreciate maybe 10 times in some countries. So think deeper and wider please.
Agree with the shaikh on Riba. Would like him or some one knowledgeable to define it properly. The loan rates in the US were as low as 2% until last year. The "halal" or Shariyah compliant loan companies were charging 4% "profit" at the time. I don't understand the difference between interest and profit. Seems like the Shariyah compliant companies are over charging, which is also a definition for riba.
Thanks for making me rethink about my decision of taking mortgage.
Yeah....easy to say when Dr.Zakir has been living in luxury as a guest in Malayasia and earning money through youtube and other appearences. Good luck saving money and buying house in western countries. Most muslims ( except some rich countries in the Gulf) just do average jobs in Western countries. If they dont take out mortgages they will never own a house.
Everyone around us in the community has bought house with the fatwas from their respective countries stating 'one loan is halal, to make house'. I get so annoyed by educated people falling for this. I know It is so hard to hold back stay in rental property forever but the examples which are created is by our own community. People like us looks foolish in front of them.
I read the opinions of some scholars. They say that in the time of the prophet (SAW) people were given loans at insane interests rate. Moreover, if you miss the deadline it will nearly double and will keep growing so fast that you will be paying your debt your whole life and never finish. So the opinion is that this type of riba is forbidden but if the interest rate is small it is acceptable. Also, what would be people's advice. My friend wanted to buy a house with a loan from an Islamic bank in my country (KZ) but when you calculate the total amount to be paid it is higher than from a normal bank.
The disbelievers at the time of the Prophet SAW, worshipped the idols 7 days a week. Would it be OK for us to worship the idols for just 1 day a week in our times?
may Allah bless you and increase you knowledge and may Allah give you janatul Firdaus
The rent is not cheaper than the mortgage where i live. That is the whole point. We wanted to move to another apt but the cheapest we found was 2500$ a month 1 bedroom while the mortgage is 1600-1800$. But buying is not an option right now too. Anyways house with mortgage does not mean you own it. However paying mortgage is cheaper today than rent.
Patience and hope is a key may be one day we will buy the house of our dream with cash.
It’s not about $, it is about making Muslims and Muslims Centers a permanent fixture in the non Muslims majority west.
So our coming generations don’t loose their beliefs and tradition and it’s not replaced with the western values and traditions.
Assalamualaikum
Rent is cheaper. If you buy a house most of what you pay is interest, so the house costs $300000 you end up paying over twice that. Also the taxes on the house, water bills, any repairs are your responsibility as a "homeowner". You aren't able to make any major changes without permission else you'll be fined. In reality it is not your house because if you can't pay tomorrow it's snatched and you get nothing back. Do the math. If the rent is $2500 I'm sure that the house are expensive there to. No one really owns anything here, understand that and trust Allah. May Allah help us navigate this life 🙏 ameen. May Allah place peace and security in your lives.
@@knowyourlord2548 You did a good math, it’s not always cheap to buy, but buying a property for Muslims is making them a permanent fixture of that community, which results in permanent religious schools, Mosques and centers. And that will help our coming generations to not lose their faith and traditions.
It doesn't matter. Its just a point. The crux is the riba (mortgage) is haraam in islam.
@@roshanburgai3902
Security lies with Allah. "permanent fixture" why and at what price? Look at our situation, how many Muslims do we see doing this yet nothing has come out of it. I have not seen anything good come out of disobedience to Allah. Sometimes it's our ego that pushes us to madness. May Allah forgive and guide us. Trust me, I know it's hard, but hold on to the rope.
By the way many Muslims are here for the dunya, and the children have lost their way in spite of living in a close knit community. This affair is greater than we make it out to be. We can only do our best
There was a man who calls himself a deobandi who said to me that where muslims are minority, we come under the ruling of baitul harb. Allah knows from where he got this word. So it is allowed to take loan on interest once. I wonder wether adultery once, alcohol consumption once, murder once, might also be halal according to that concept. Nouzubillah. Astaghfirullah. May Allah save us from Riba, zina, shirk, heresy, etc
Thanks brothers and sisters reading your comments has gave me peace as i am really getting tested from family Allah protect us from this sin
Very clearly said alhamdulillah
The sister asked a very good question...
Yeah keep laughing only a Shaytan does what you do. Make fun of people while he invite them to dawah and Islam
What is the difference between profit and interest ??
Thank you Dr sahab may Allah give you the best of dunya and aqarat
Beautiful said dr zakir naik proud of you
Alhamdullilah i been living in USA for 33 years and still renting and happy I can buy a house for mortgage tomorrow what about my akhira?
Sometimes you have to look beyond this Dunia to get your answer. We are given lots of choices on how to avoid Riba but we keep thinking about keeping up with the Joanses more then the Sahaba
Dr.Zakir Naik should have elaborated more on the verse.
The verse of Surah baqrah he is talking about is of demanding RIBA I.e taking RIBA,here In the case of mortgage ,the person is paying the interest not taking or demanding it.
Please correct me if I am wrong
giving or taking riba is haram
It’s forbidden end off. The Quran is clear on this topic.
Asalam o alaikum. I have question? In Quran I found taking or getting riba is haram but I can't found that giving riba is haram too. In mortgage we are not taking or getting riba but we are giving riba. Kindly clear this situation.
It's in clear hadees that who takes riba and the giver and the one who writes the contract are same and as get ready for the war with Allah and His messenger P.B.U.H
Muslim (1598) narrated that Jaabir said: The Messenger of Allah (blessings and peace of Allah be upon him) cursed the one who consumes riba and the one who pays it, the one who writes it down and the two who witness it, and he said: they are all the same.
Shaykh Ibn ‘Uthaymeen (may Allah have mercy on him) said:
That is, (they are all the same) in terms of being cursed, because they co-operated in that.
End quote from Fataawa Noor ‘ala ad-Darb, 16/2
I understand the argument that we NEED a house and therefore one mortgage is justified(3ven though it is wrong) but what i have never understood till this very day is that instead of paying off the mortgage as soon as possible, they start making extensions 🤷🏾♂️
I think the muslim community that argues for one house/one mortgage need to get together and help other people by lending money to them rather than spending an extra £30,000 on extensions 🤷🏾♂️
I know people that have a mortgage, paid off but then don't like the area anymore and then decide to move and open a new mortgage.
This just nullifies the argument of having to get a home on interest
@@realSumedh I never said i agree with it, i just said that i understand the point of having ONE home.
Its like suicide bombing a shopping a mall, i dont agree with it but i UNDERSTAND that the bomber may have seen his mom,sister, bro etc get blown up and then having yo collect their limbs and in anger they go and kill innocents.
Im just saying that, the argument of having ONE under mortgage fails because you are supposed to pay it off asap rather people start expanding their home and delay paying it off. Also, the muslim community needs to stop expanding their homes and buying luxury cars and start a community that will lend the excess money for muslims to buy homes without even considering a mortgage 🤷🏾♂️
Instead of buying a £20,000 car, for the sake of Allah, just buy a normal £5,000 and lend the £15,000 out to a muslim who is about to buy a home.
Just a thought.
@@realSumedh Relax. When you put it that way, it's the same as bullying. "Your Money Matters more than following Allah"... Of course, Money Matters, when you are hungry and have nothing to eat you will peel every surface to survive. When you live in a Western Society, every thing is based on interest. For example, when the cost of goods rise, to control inflation, the central banks raise interest rates to slow spending pushing price down. If spending is slow, the central banks lower interest rate to encourage spending. When a Muslim lives in such a society, all your hard earned cash that you put in a bank to provide for your family is impacted due to these monetary policies. This is why, it's best to understand how these things work and that this type of RIBA, such as buying a house and taking care of your family to keep your month to month expense low in comparison to rent shouldn't be treated as harshly as a person who goes and gambles their wealth, owes money due to gambling habits, puts their family up for sale or a person that takes a loan from a hard money lender with very high rate and can later be taken advantage of. These were issues that took place pre-Islamic times. Foreign Exchange currency rates are also impacted based on monetary policies in countries like USA, which are influenced by increasing rates etc. Point I am making is that if we have to adapt to Western Society and accept the rules within the society, you can also take time to understand the way the financial system works. It is not as simple as "interest", I believe it should completely be banned in all of Western Society and governments or central banks should not be allowed to dictate how the market needs to shift. If that can happen then we will live in a interest free world. I am not that knowledgeable to go into deep details about this but what I can tell you is that it's not as black and white as we think.
The Mosques put millions of dollars in the US banking systems. Those monies flow into all types of organizations, institutions, and support many aspects of society that the mosque may not be okay with. In addition, when the economy is crashing down that $9 million dollar that the mosque built up to do a humanitarian project of sort can't do the project because the cost of goods have gone up due to supply chain issues/inflation etc. It's best to keep that money in a method, where it can accumulate more money. if not interest, stick it in some sort of short term investment that involves a good of which value can go up and keep up with inflation.
@@freeyourmind7538 There are people out there that call themselves Muslims and will sit with you and argue that suicide bombing is permissible. They will even give you many reasons to why it is okay. I will not name groups but let's just say there are some very extreme groups out there that believe or hold such aqeedah. Majority of the traditional school of thought do not follow this path but they will even go as far as claiming that the traditional school of thought misunderstood the hadiths. What I am trying to tell you brother is that anything out of anger is going away from a straight path and to that of the Shaitan.
As for the home, it is not necessary to get a mortgage. However, if you go to San Francisco, CA - You cannot find a place to rent and live with your family. It may make more sense to buy a house somewhere and keep your month to month cost low. Is it the right thing? probably not but it is between you and Allah (SWT).
Sincerely,
@@realSumedh Islam was always about protecting the oppressed. Every rule was put in place to prevent Muslims from taking advantage of people. For instance, I let you borrow money but I want my money back in 10 folds and you couldn't pay me back... So instead, I would ask for your family member or you to be a slave etc. The banking system in the West is run based on interest and it's not such that if you don't pay your debt, you have to give up your family members or enslave yourself. You do know that there are other scholars that differ in their opinion about this topic.
As for economics, you can always go to online schools that are very cheap. You can for example go to university of Illinois Champaign Urbana do an IMBA and they will have economic courses.
Best of luck.
Thanks so much Doctor sahib for clarifying riba taking in non islamic countries by muslims.
الحمدلله.. I built my own house it took a while to do so but I know that I followed Allah's commands and laws and that's what matters to me!!!!
Mufti e azam Taqi Usmani ( Pakistan) said that in these days any problem like any explanation of Islamic rule these days should only be given by scholars or mufti’s of that country so in this case only American scholars can tell you if mortgage is haram or not you can’t explain this by living in India or Malaysia. Many scholars said that taking cash loans on interest from individuals is haram but buying home is not interest from a bank or institution as house prices or doubling and tripping than its original loan amount plus interest
Allah already told you it is haram. He is just reciting it. If you want to follow Allah and his rasool then take the answer.
It's not what creation (human) says , you need to follow what creator (Allah) says. ALLAH says it's haram then it's haram and he (Allah) not give an excuse. If you are true believes.
As Dr. Zakir told ,
** Are you want to take risk to losing the the house of Jannah for the house in earth.
** We are travelers in earth for few days, and travelers stay in hotel (rent house). If you have cash money then it's different.
** If you have no ability at this moment & there is choice of halal or haram, like rent (halal) or mortgage (haram), you must chose the halal way.
Because it's a test for you from Allah.
"Surely, Allah is with those who are patient"
Surah Baqarah :153
** Either you take money from your capable Muslim brother without interest by lending, if you have that kind of brother
or
Save money for future And keep believing in Allah, So, that one day 'In Sha Allah' Allah will provide you. Of course Allah will provide to the believers.
** And most importantly, only believe in what Allah & our Rasul Muhammad (PBUH) says in Quran & Hadith.
Avoid what others (new moderate so called Islamic scholar) says. If it's their personal opinion or group opinion, if it's against Quran & Sunnah , then it's available. Because saitan is always want to misguided you by his minions & followers.
Fully satisfied answer dr zakir sir... 🙏
JazakAllahu Khairan..
How can I ask him a question?Can someone please tell me the procedure?
Asalaamu Alykum brother Zakir. I love your teachings. May Allah bless you.. I have a question if you don't mind asking, what about when the mortgage is cheaper then the rent? if you rent all your life, you will never get your money back where if you have a mortgage , you'll eventually get to own the house and never pay rent again... I thought riba was made Haram becouse its money that coming from the poor and going to the rich. by renting, you making rich person or company richer.... another word, owning a home is much cheaper then renting a home.
Sure yes. If not you become surefix cashflow for the rich. But remember the goal fine a solution to borrow but no riba(interest) that much better but what it difficult cuz Satan is the bank and it slave they rule the money
I wonder if there are still ppl taking in consideration these non sense talking, why dont you just for once be rational
you are right brother, thank you for bringing this out
Don’t go to the place where ur religious principles are challenged. RIBA is haraam
which country in the world don't have conventional banks ?, please answer so all the Muslims in the world can go to that country
I just bought a house, and i had the opportunity to cancel the contract.
I remebered i saw a video about riba and then said to my wife if this is riba i will not continue no matter what...
Then she asked someone who has knowledge and he said it was not haram. I keept asking him to make sure bc i got scared.
So we proceed to buy the house and now i feel lost and scared bc i feel have angered Allah swt....
If somone has some guidens please help bc i can no longer cancel the contract.
Question for Dr Zakir Nouakchott,there’s a verse in the Bible “A heep see’s only a few knows,many are call,but only a few are chosen “. Where can that be found?
I love you for the sake of Allah my brother!
but the question is not of taking Riba, right. It's what we pay to the bank. And taking in account inflation, its at 7% globally and bank interest is 1.99% to 2.99%. And rental increment is around 8%. (Caution: I don't support riba, just a question pop up in my mind). If calculated, house on mortgage is more financially relaxing than paying rent, cause now-a-days you have insurance companies backing your home loans. just a question!
No matter how financial relaxing it is mortgage involves riba and is completely prohibited no matter what
Also rent has late charges if payment is delayed and also some. Rental companies charge interest on late charges etc..
@@suleimansiddiqui2468 Islam is there to make your life easy, Allah would never want us to be weak and so confused.
All the proofs provided in hadith and Quran refers to taking riba. We need someone who can understand finances as well as Quran and hadees to pass a fatwa on it.
It is even haraam to declare something haraam which might not be haraam in islam.
I will be posting this question to the mufti of my masjid today and lets see, what answer we get.
@@AyaanMohammed literally every scholar gave a fatwa that riba is haraam whether taking or giving but if u r blind to that just to satisfy ur desires then i cant do anything abt it
@@suleimansiddiqui2468 I'm not surprised you were so quick enough to judge me that I'm here to satisfy my desires. What I have learnt from my parents and as far as my understanding goes, Islam is here to make our lives easy.
And if you would have read my question, you would know what I wrote.
Anyways, I won't blame u for that. Assalam alaikum brother❣️
Legend zakir naik excellent Islamic lacture on important topic I agree luckily me not earning interest on bank since I have only current account in bank since several years
I believe what the Imam is referring to is establishing credit. In order for one to establish credit he/she has to either take out personal loan with some sort of a collateral or acquire a credit card at a very high interest rate. You cannot take out a mortgage without having any sort of credit in the first place. They want to make sure you will be able to make monthly payment. Also it is not true that you have to take out mortgage to buy a house. You can pay cash. But if you don't have cash you can go the Islamic way of financing the house. It is called Musharakah and Muhraba. It is a partnership between borrower and bank. The third way to purchase a house is Ijarah. It literally means rent. You rent a house on the understanding that you will eventually by the house with cash.
I saw a video of a Hanafi scholar I think he was from Uzbekistan. He said it's considered ribba when you buy money for more money. These mortgage loans are only for buying the house. You can't do whatever you want with that loan money, you can only buy the house. So in These transaction your getting a product from the back your not getting money. So you are paying for the product at the price the bank has set and you pay it in installments. This made sense to me. If this is not correct please advise.
Literal meaning of Riba is excess. Riba is earned on money lent. Regardless whether someone loans you to buy a particular product or not if they charge 'excess' on the money they have lent you it is Interest. Bank pends you 100k but asks you to pay 125k back that's Riba. Money charged on time is Riba , money made from money lent is Riba ,
I have one question ..RIBA is haram …then all banking policy those in muslin countries giving loan is also haram ….kindly explain this …
If the banking institution are using interest as a source of financing, then it's haram, period. Regardless of who does and where it's happening. There are many things in Islamic countries that are blasphemous, does it mean we justify all those things? No, absolutely not
@@shakirhyd I’ll ask someone who is in banking that there’s no any system except riba in banking ..
Unfortunately it is true that modern banks can’t function without interest. Even the Islamic banks are not purely without riba, directly or indirectly most of the islamic banks also involved in riba due to market competition. There is no escape route in the present world. They only way I believe that the Muslims in any particular community, especially in non Muslim countries, should come forward and lend their surplus to fellow Muslims to avoid getting involved in riba. Muslim countries especially in gulf have some Islamic provisions available for housing
Yes..it is haram..
U can watch dr Israr Ahmed lecture on it ...then u will understand all things clearly..
@@fauziakhan692 ok I’ll watch …Insha Allah
the paper money itself is riba. but we have no other monetary currency choice. unless you we can set up dinar & dirham. the fed wont like this of course. we avoid what we can avoid.
Just want to know that in Quran it is stated for taking Riba but not for giving Riba. I have not found any surah in Quran which quotes against giving Riba.
Anybody with a mortgage is a THIEF based upon how modern banking operates. Consumers of interest-based loans are responsible for inflation, which puts downward pressure on everybody's purchasing power. After learning obligatory religious knowledge, every "Islamic school" should be educating children the basics about how money operates in the modern world, that is assuming the teachers in these madrassas themselves understand how money operates.
Best comment
Well said. I’ve been studying Islamic finance and you’re absolutely correct this is a very dangerous path
So good advice
ما شاء الله
JazakAllah khayran
How the mosques bought their land or houses? I think it’s also a process of mortgage. Please make it clear also.
I think zakir is not clear on the question. He is not taking interest, rather he is paying interest. Even if you get an apartment in US they the apartment is paying interest. What you think the person will live on the street?
where did you study sir? where does it says that only taking interest is haram and giving is not ? paying rent to the landlord has no interest directly . if he delays the payment yes he can ask interest for that payment. the landlord may pay interest but that doesnt concern the guy who doesnt .
@@BluetekFREEGAMES I don't know what country you live in, but here in America, everything got interest, buddy. You need to go do some research, my friend.
I would rather die poor and die of hunger, my head under the foot of my energy gasping for air and die in that position than to deal with riba.
Thank you for this beautiful brother Zakir :)
So what will you become , bomb blaster in market.
There are Islamic loans that essentially do the same thing as regular banks but instead of interest they named it rent. Just change in nomenclatures. It’s like bank buys home rent you out and rent keeps going down with time.
If it’s just nomenclature , might as well have a strong niyat to give rent to a regular bank although they call it interest.
Also taking riba and giving riba - can someone clarify between two. Cuz it’s very hard to avoid it in wester countries
One difference is here. it's not about having riba, it's about giving riba. Both are haram, but they are different. Most of the people have bank account which deals with riba in some way. Some need to take vehicle loans, educational loans and things like that which deals with riba. What about that?
That’s why the person who wrote a book is not a knowledgeable person. And definitely it’s not the God who gave quran. Some idiot referred various texts and adding his thinking wrote this book ..
Riba is Haram. No doubt.
However, sometimes, certain Haram things become halal, temporarily, like eating a pig.
There’s theoretical Islam and then there is applied Islam.
Dr. Zakir Naik is talking about theoretical Islam.
It is black and white.
Applied Islam has many shades of gray, varies by region, by person, by circumstances.
Haram becomes halal only when someone is forcing u on gunpoint or u r about to die due to starving
@@hasibabdullah3463
Riba is always Haram by default. Period.
No scholar in his or her right mind will say otherwise.
However, there are exceptions to all laws.
It is this set of exceptions that are a matter of almost all debates.
Example
If you’re in Ukraine with your wife and small children. Bombs are raining down in your city. You don’t have money. However, you hear of someone offering Riba based loans to go start a business in Turkey. You have the skills. You qualify for the loan.
I say, riba is haram. However, it's temporarily halal for you! So, go TAKE IT. Take the Riba loan! GO. Save yourself and your family! Do not hesitate! Do not feel guilty!
Allah, the All Mighty and All Merciful has allowed exceptions in Al Islam!
@@hasibabdullah3463
I would add. Listen to Dr. Zakir Naik. He’s right. However, here in this video, he’s talking about the default ruling of riba. Not the exceptions. Apples and oranges. He’s talking default. Your situation is an exception.
Believe what he is saying is right and accurate, and with that belief, go take a riba based loan, if halal loans are not available, and go save yourself and your family! Both positions are Al Islam!
You are basically making up your version of Islam. Just be honest and admit when you can't be a Muslim according to the laws
@@AH-hz5xc
“Exceptions” are an integral part of Islamic laws, and yes, many have to be “made up.” Sorry.
Not a realistic answer, you cannot avoid riba in modern world as long as you use FIAT/bank money. Because of this system for example in my place, you get higher return from crediting a house than its interest or renting due to the increase of price per year. Also you own the house/land that could be an asset in the future once you move from there, which is not possible if you only rent all your life.
This era was prophesied by Muhammad SAW, where he said there'll be a time where ummah cannot avoid riba because the society is forcing onto them.
Can I have the reference for that hadith? I can't find it on Google. It doesn't seem authentic.
@@carbonlodi1527 I just rechecked where I got my opinion from, it was actually something I heard long ago and turned out it came from weak (da'if grade hadith) regarding prophecies about modern day and qiyamah signs:
"The Prophet (ﷺ) said: A time is certainly coming to mankind when only the receiver of usury will remain, and if he does not receive it, some of its vapour will reach him. Ibn Isa said: Some of its dust will reach him."
Reference : Sunan Abi Dawud 3331
In-book reference : Book 23, Hadith 6
English translation : Book 22, Hadith 3325
Keep in mind even though most of the modern day prophecies came from weak hadith, all of them actually has became true/reality.
@@silentlofderis7225 It because all these hadith were written by someone not long ago who observed that Islam is inompatible with modern world and wrote hadith to support where Islam was going opposite of it
@@silentlofderis7225 so does that mean we should start taking riba there r many prophecies such as zina will be prevalent so that means u will give excuse that in today’s time there is too much fitna and hence no one can save himself from zina lol
Riba is definitely avoidable in this world. Your answer is not realistic.
Guidance Residential is a halal way to buy houses in America. They don't give loans but they go into co-ownership with buyers. So there's no excuse to do riba while you have a halal alternative.
Bought a car on mortgage until I got to know that paying interest is a sin too. I took out all my savings mutual fund, stocks, cash and retirement fund and closed the loan as fast as i could afford.
Things changed just after an year and I got promoted, the new position comes with an option of company lease car. Now I have a bigger car, save a lot of tax and sin free.
Correction for Dr Zakir at 4:48. The rent in Toronto is higher than mortgage nowadays. In fact it is the renters who are paying off the mortgage of the home owners and landlords.
In the majority of the world the money spent for monthly rent is substantially higher than paying monthly mortgage. However in one case you give the money to the owner of the home and in the other case you give money plus interest to a Bank!
I never understood this ban on loans and this lack of logic only leads me to further criticize Islam and separate myself from it
@@kurdistanindependance5471 corruption in the world is caused by loaning+interest. Are you really happy about how the economy works as it is working right now Bram?
@@kurdistanindependance5471 The Islamic logic is correct. In that interest on money leads to financial inequalities and is an injustice. Imagine your worth as a human(or rather your monthly salary) is only equal to interest on ABC amount of dollars. The rich get richer and the poor keep getting enslaved.
@@Dashtea You have to look at the larger picture. its the same thing. pay interest to a bank vs paying landlord who would also pay to the bank. Until the Muslim world comes up with a real solution (community construction efforts) you cannot suggest people to make their own lives difficult.
Actually answer is all about Ribba and everybody knows that the Ribba is prohibited in Islam no doubt about it, but many scholars believe that mortgage is not Ribba cause you actually getting house with the partnership of bank this means you never access the money bank invest on the property only access the house where you are living you only ows 10% of the property so can you please clarify that aswell,
Interest/Riba is Haram no matter what. The ruling is anything direct or indirect related with interest is Haram. We can not just say buying home with mortgage is haram and renting is halal. Renting you are indirectly helping the landlord to pay their mortgage.
Interest in modern times is based on time value and time decay of money. Interest dosnt add to the monetary value or purchasing power of money. At best it only maintain the purchasing power of a unit of currency!!!
Asalaam o alaikum
Further to your guidance about riba, you said do not take but it is not taking of interest in mortgages it is paying interest to buy house, does same rule applies for paying as well.
Appreciate your guidance.
Jazak-ALLAH
Yes the same applies. To the one who consumes it and the one who pays it as well.
It was narrated from Abu Hurairah that the Messenger of Allah (ﷺ) said:
"There are seventy degrees of usury, the least of which is equivalent to a man having intercourse with his mother."
حَدَّثَنَا عَبْدُ اللَّهِ بْنُ سَعِيدٍ، حَدَّثَنَا عَبْدُ اللَّهِ بْنُ إِدْرِيسَ، عَنْ أَبِي مَعْشَرٍ، عَنْ سَعِيدٍ الْمَقْبُرِيِّ، عَنْ أَبِي هُرَيْرَةَ، قَالَ قَالَ رَسُولُ اللَّهِ ـ صلى الله عليه وسلم ـ " الرِّبَا سَبْعُونَ حُوبًا أَيْسَرُهَا أَنْ يَنْكِحَ الرَّجُلُ أُمَّهُ " .
Grade: Hasan (Darussalam)
What to do if someone already purchased a house on mortgage ? or is it too late and destination is Jahannam ? I get that Allah forgives if you sincerely repent but I'm looking for a solution as to how to escape the riba based mortgage already used by my parents to purchase a house. Do they continue to make those mortgage payments ? or can or should they sell the house ?
@@CelestialTrailblazer sell the house pay whatever you need to, to get rid of the riba. Get yourself out of it. Of course Allah forgives all sins if you repent. But can you really be sincere while you keep doing a sin. Its not like a sin that you do then you repent then it happens one day again. No, this would mean you are repenting knowing you going to commit it again and again and again until the riba is paid…there would be no sincerity in that. Allah knows best
@@samkoz2045 The problem is, I don't own the house. So, I can't sell it. It's my parents house.
@@CelestialTrailblazer so its not your sin but you should tell your parents though.
@@samkoz2045 They are well aware but have their excuses and justification for it. I've already told them about it. They've spent a big chunk of their savings on purchasing a house. They don't want to throw all that at the risk of going homeless or causing any problem for their children. Selling the house suddenly will cause a bigger burden on them financially since both of my parents are almost close to retirement and are in their old age. I can't financially help them due to my illness either. Also, renting is not cheap at where I live and the nature of their job doesn't allow my parents to move to a cheaper city either. Also, given that they are in their old age, they can't suddenly switch careers and suddenly find jobs in a cheaper city. Realistically, it is not as easy as I originally thought it would be. I'm trying my best to come up with a solution that will save me and them from hellfire. It is very easy to get to hell versus paradise. The sin of riba is one of the top 5 deadliest sins. How easy it is to get to hell because of riba is what drives me to find a solution that can solve this issue once and for all. So far, selling the house is what I can think of currently, but I have to take into account those nuances I just mentioned. Jazāk Allāhu Khayran for your advice.
I have to be honest, Alot Of My Muslims Relatives Are Involved In This Major Sins, Knowingly Or Unknowingly They Just Sold Their Hereafter For This Temporary World, May Allah Guide Them To The Straight Part, Amin..
Asak, please advice, my understanding of "taking riba" is when you demand interest/ charge interest/ consume interest. However, getting a house on mortgage is "giving riba", paying interest.
Is the ruling in Islam same for giving and taking riba. PLEASE HELP, I will sincerely appreciate the clarification in this regards.
Jazakh Allah khairan
it is for taking riba only
Dr Zakir Naik has given the answer very clearly. He has prohibited the man from taking loan with interest (riba). In which you have to pay back loan +Riba
Rentals are more than mortgages in some cases, and what if we term it as instalment payment were the house is sold to us on monthly instalments at an agreed price ?
if there is no interest involved there is nothing wrong with it
there are Islamic banks in the US. I’m surprised the brother asking the question says otherwise
There is not a such think called Islamic banks. All those so call ribba free are worst than commercial banks
there is no such thing as islamic bank, banking is riba, Islamic banks are riba in disguised, stay away
When you rent a place, the owner of the property in most cases has a mortgage. If you pay someone else’s riba that is harm too
i agree, and the answer for this i found online is you're paying money for your services its upto landlord how to use that money.
Maybe someone can guide better, as i'am not knowledgeable person.
Someone else's sin does not befall onto you.
If you know that person pays riba and you support it then it is your sin too.
@@nadjyaakbari6217 No it is not. Stop making up your own ideas and go ask a person of knowledge.
Even if you know your parents paid their house with riba, there is no sin upon you for inheriting the house. In fact your inheritance is your right. Your sin is your own. It can not be inharited or passed on to someone else.
@@certifiedalchemist you do not understand Islam. If you know someone pays ribs and your money goes there, you are in sin too. As far as the parents house goes if they bought in riba of course that is their sin. You did not make decision but for rent you make the decision.
Assalam Alaikum Dr Sahab,
Can you please shed some light on where in quran or Hadith “giving”RIBA is prohibited.
In the time of Mohammed Saw, only in Madina era it was haram because there was shariah law implemented but in Makki time there is only mentioning of taking RIBA as haram. A person who buys a house on mortgage in west DOESN’T take RIBA, he/she has to GIVE riba and can we not relate it to Makki time where there is no Islamic finance system. Even the Islamic banks work in the same way only the labelling is different. Even if we think of going to Islamic bank for mortgage seeing the label only it is not possible because they have kept the conditions very hard which is not possible to meet for a common average class person.
My question is, my family’s are in very bad financial situations, I took a loan to feed them, and my income is low to take care of them from my income. I need any opinions about my question.
How Muslims can establish their community mosque or centers if they don’t settle permanently in a place? I saw people moved from a community due to increase in the rent and the mosque they temporarily established returned back to become a shop. I think the greater scholars who allowed to buy a house for living had thought through this issue in a much deeper level of understanding than Dr Z. Naiak.
Remember, Dr Zakir Naik lived most of his life in India where most houses are bought using interest based loans. So, you argument that he doesn;t understand this concept is funamentally flawed. People will find excuses to buy home or buy car etc using Riba and they will go shopping for Fatwas
@@shakirhyd I don’t say he doesn’t know that the mortgage exists. I said that in comparison to the scholars who did lead the European council of Muslim scholars, Dr. Zakir Nayak has a much lower level of qualifications to give fatwa. He is a good scholar in the field of comparison of religions, but in fiqh he is a nano or micro level qualified when compared to scholars like Shaikh Yusuf Al-Qardhawi.
Don’t forget that the Hanbali school of thought is not the only school of thought in Islam. The Hanafi scholars have different opinion and fatwa on the mortgage issue that the Hanabela, which Dr Nayak is following.
Plz be mindful that tomorrow if somehow living in west makes zinna to be committed in order to become established in the western countries for Muslims do you think the scholars should have a BIGGER VISION and allow it too???…. Like dr zakir said the lowest level of riba being taken as sin is like committing sex with your mother.. plz dont sell your akhirah for the benefit of this dunya… Angels will ask on the day of judgment about it and when ppl will say we were weak and had to follow the rules of non Muslim country the angels will say wasnt the land of Allah big enough for you to go somewhere else where you could practice your deen… the importance of hijrah can be highlighted in such situations
RIBA is Haram. If there is a will then Allah will always help us.
@@TheSylrapz our islamic prophet was a sinful written in quran That Allah may forgive thee of thy sin that which is past and that which is to come, and may perfect His favour unto thee, and may guide thee on a right path, Sura al-Fath 48:2
Next, Sura Muhammad 47:19 distinguishes between the sins of Muhammad and the sins of believers. Muhammad was instructed to request the forgiveness of his own sins as well as the sins of believers. Again this explicitly shows that Muhammad sinned and needed to ask forgiveness for his own evil deeds.
So know (O Muhammad) that there is no Allah save Allah, and ask forgiveness for thy sin and for believing men and believing women. Allah knoweth (both) your place of turmoil and your place of rest. Sura Muhammad 47:19
How does paying 100s of thousands in rent make sense when you can pay same amount in the monthly mortgage and own a house? Mathematics anyone?
They left their brain in gutter and follow this person.
Sandeep bhai.....mullon k pass Etna sense hota to es gandu zakir naik ko nhi follow krte
Cause riba is involved
How does earning hundreds of thousands of dollars by posting nudes on OF make sense when a man barely makes a few dollars doing manual labor? Mathematics?
الإسلام دين وسط. لا عصبية في الإسلام. و الكلمة الجميلة و هو ان يكون المسلم الحقيقي يعيش في بلده مهما كانت الصعوبات.
Rasulullah sws allowed the transaction of high quality dates for low quality dates for poor but prohibited for rich which is ruled as Riba. There are multiple things to consider before tagging Riba
I'm not a scholar, but anyone can tell the difference. One is a trade. You have a choice to accept or deny. Riba is by others upon you and will only increase if not paid and make you poorer.