Is taking loan and mortgage Haram | Javed Ahmad Ghamidi

[@achag9273]

I would honestly like to have Ghamdi sb. My favorite and mist kearned scholar of our times..who says things which an intelligent person can understand should have a lengthy and total debate on this subject with all other schools of thought. This way we put an end to one controvery at a time..insh

[@raislodhi9257]

Its very rational and logical....May Allah make us intelligent and logical.

[@fawadshah9851]

Zameen k bare mn kia hukm ha Kia kheiti k lie karaya per dena jaiz ha ?

[@kalleshhebbal3128]

Wishful people who have their desires come here to get an OK from ghamdi so they can go ahead and get mortgages/loans on interest. Such people are led by their desires. This changes the whole ideology of Islam. Allah wants us to make the principles of Islam to be our lead in life and set the other personal liabilities around it.

[@harrismazari5484]

Okay son.

[@yt-rn7cc]

You have the choice to watch the convectional mullas rather than this intellect

[@gmer2689]

Consumable or usable - where is this defined in Quran? Quran simply says Riba is Haram.. but doesn't detail consumable or usable items...

[@dr.sajjadshaukat9399]

Thats the point...in quran it did not define...so how we can say it riba

[@usmanmalik3430]

@@dr.sajjadshaukat9399 Quran Pak me likha h jo Khatoon kisi bachey ko doodh pilaey wo us ki razai ma bnti h .khi likha h kitney din lekin bukhari m days define h .eb ap hadith ko glt kho gey?

[@raeesalishah308]

@@dr.sajjadshaukat9399 plz Write Qur'an Pak in Capital

[@educationforall867]

agr sirf quran hee dekhna h to ahaadees ka kia kaam h.... hmay ahadees ko b mad e nazar rakhna chahye????

[@WayOfJannah]

Bank Hamein Ghar Ya Gaadi Nahi Deta, Bank Hamari Taraf Se Ghar Ki Raqam Adaa Karke Uss Raqm Ko Wapas Lene Par Hamse Aur Extra Raqm Leta Hai, Aur Raqm / Pesa Consumable Cheez Hai, Usable Nahi. Iss Liye Aapke Khud Ke Usool Ke Mutaabiq Bank Se Loan Le Kar Ghar, Gaadi Khareedna Aur Uske Baad Loan Par Extra Amount Wapas Karna Ye Sood / Riba / Interest Hai Jo Islam Mein Haraam Hai!

[@asimutubevideos]

After listening many others scholars and Ghamdi sb on this subject in several occasions with similar response made me confused until I found out a Gap in Ghamdi sb explanation. Gap which most of us interpreted allowing mortgage from banks skipping one piece of puzzle that if Bank owns the place first and hands over to you...but in north America and Australia like countries, conventional banks don't own the house first and let you pay over the years but they let you pick your house and approves you for your requested money with interest based on your credit score and that interest rate and borrow money could go by your credit score. Sir Taqi Usmani explained this in much more detail and I think ghamdi sb are also referring same but not totally understanding house ownership rule in abroad...if bank owns the house first then it is exactly as ghamdi sb and other many scholars explained should be fine but soon banks lends you money then it is totally interest as ghamdi sb explained. I tried in much detail but want to bring up to ghamdi sb network attention to make this confusion clear and don't Muslim to make misunderstand..I surely respect ghamdi sb knowledge and hopeful he could respond on it. Rest Allah (SWT) knows better.

[@adrenalline8250]

you convert the consumable stuff to usable stuff sir as soon as you get money from the bank. Bank makes sure that you are buying the house and not utilizing the money in something else.

[@khalidfaridi]

Ghamdi counts on the fact that not everyone knows the issue and will believe him. Secondly, Ghamdi himself is not a learned person of this field and hence himself doesn't understand and just uses some jargon to mesmerized people. Ironically, he is saying that no matter if you call wine a wine, I will not accept it as a wine because I didn't lose my mind after consuming it. This doesn't mean Ghamdi is not a scholar. Doesn't mean he has insight on the Quran. But merely that he is as vulnerable to narcissism as anybody else.

[@faridkhan1954]

The interest rates are prefixed by the Govt, therefore it cannot be fluctuated as per any individual lender's choice. Any such fluctuation will be considered illegal due to the fact that the individual or financial organisation is violating the law. The interest rate is fixed because no one should be looted by the financial system on the either sides of the transaction.

[@alinawafali6228]

People’s do have to read Quran through first before proving wrong to any one.

[@islamic6185]

ALLAH KAREEM GHAMDI SAHIB KO AQAL AUR HIDAYAT ATA FARMAY

[@junaidmemon5407]

Obviously, people want everything free... They want other's hard earned money free... They expect banks to give them money without charging anything and Bank owners are expected to pay utility bills, salaries, rents and security expenditures from their pocket.

[@hafsahwaseem2628]

Is getting loan fir studies is halal or haram. Is it consumable

[@adrenalline8250]

awesome explanation.... bank aap ko loan daita hay jis say aap ghar laitay hain. Kuch arsay man us ka value upar chali jati hay, usay aap baich dain. Faida aap ka hua. he is exactly right, agr bank ap ko paisay day aur woh ap useable form man convert na karainn then that would be a problem.

[@waqarmughal4489]

lets suppose aap ne bank se garhi li jo ke 25 lac ki he, agreement ye hua ke ap ne bank ko 35 lac dene hen 5 saal me got it? ab 4 saal ap ne paise bhare peeche reh gaye 7 lac 35 se.. means ap ne 28 bhar diye.. ab kisi majburi se ap installment ni bhar sakte to ab bank kahega ye garhi becho jo ke max gai 16 ki.. jubke ap bhar chuke 28.. ab garhi bechne ke bad jo 16 mile hen usme se bank 7 jo ap ke reh gaye the wo katega pehle.. baqi 9 apko dega.. means 28 bharne ke bad apko mile total 8 lac or garhi bhi gai... or ap keh rahe ke faida hamara hi he??

[@hamzaboss4903]

Giving and taking interest is haram

[@eclecticeccentrickamikaze6526]

Ghamdi sahib - Any fee on renting money is called something Riba / Sood. It is up to the borrower whether he/she wants to use or consume that money that he had rented. Kis chukur mey pur gai hu

[@FahadKhan-vj6op]

and where he has got his logic from for consumable and usable things... doesn't he know that banks are least interested in usable car but more interested in getting their money with interest in total. Because, car looses its value within a day after its purchased...

[@hapanataka1721]

The question is, is interest 'riba' i.e. excessive, if it is then it is haram (not permitted)..

[@rajag3251]

If I take a loan from bank suppose 2 hundred thousand and I buy a house and house rent I pay loan installment ..it is also sood?

[@n.s.5278]

Not according to the above scholar because a house is not a consumable

[@salmanshah3319]

Bank ko car ki down payment do aur agar 3 ya 4 instalment na Di to Sab kuch farigh Matlab bank ko koi nuqsan nahi wo Banda jisna car li wo zaleel aur sirf rent ho to jab dil Kare chor do aur allah aap k is tawakul sa Khush ho k Apka koi aur sabab bana de bank ka. Kaam apko laluch da k bound karna hai aur ghamidi jaise bande apko gumrah karna believe in god and have faith in god

[@MZubairHaroon]

Sorry, make no sense at all. I strongly disagree

[@Mdshamim-jh2ky]

Trying to find a way round of interest system... interest in any form is haram.... if your intension is too make more money by lending money then its sood and it's haram...

[@FazilAhmad-l7z]

Suppose if a house's value is Rs100 bank pays on behalf of you Rs100 but tells you u have to pay back Rs100 with fix 10% intetest its totally sood

[@waqarmughal4489]

lets suppose aap ne bank se garhi li jo ke 25 lac ki he, agreement ye hua ke ap ne bank ko 35 lac dene hen 5 saal me got it? ab 4 saal ap ne paise bhare peeche reh gaye 7 lac 35 se.. means ap ne 28 bhar diye.. ab kisi majburi se ap installment ni bhar sakte to ab bank kahega ye garhi becho jo ke max gai 16 ki.. jubke ap bhar chuke 28.. ab garhi bechne ke bad jo 16 mile hen usme se bank 7 jo ap ke reh gaye the wo katega pehle.. baqi 9 apko dega.. means 28 bharne ke bad apko mile total 8 lac or garhi bhi gai... or ap keh rahe ke faida hamara hi he??

[@Rangeelaboy]

I only agree with his useable and consumable explanation. But we all know that the basis of providing finance by conventional banks for mortgages and cars is not the useable asset, rather the basis is money 💰 which is a consumable item. For example in car Finance and mortgage finance conventional bank will ask you to give interest for the money which bank gave you for purchasing of these assets. However the basis for finance in Islamic banks is the useable asset itself, it is not linked to money directly.

[@aamirkhan-1ol]

In ki baat par yaqin kar ky agar amal kar liya to allah sy jang ka allan kar liya..

[@hamadshah1954]

Actually what you are saying is not correct. Atleast in Finland, when buying a house or car banks do not send money to your account to do as you will, it will be only sent directly to landlord/lessor so you cannot consume that money but can only buy specific thing from it.

[@Rangeelaboy]

@@hamadshah1954 Sending money directly to seller/owner by conventional banks is done for risk purpose, not for possession or ownership purpose. As I said the basis of transaction in conventional bank is money, not the asset itself. Whatever happens to asset they are not responsible for that as they consider that they have given loan to you. Whereas in Islamic banks the basis is Sale or Lease of asset.

[@kashifrana6798]

I really do not understand the logic. Where it is defined in Quran, interest rules on usable and consumable?

[@EclecticEccentricNo1]

house ladder car etc can be sold but not money - Money is just a currency in the form of coin bill reward for the work of a worker. Loan and debt should be considered as work and exchange for the equal amount work. For exam[ple. Person "A" banked his work done in form of money. "B" receives a loan from "A". This means "B" received the work done by "A" in the form of money. Now "A" has to do the equal amount of effort somewhere in the form of money in order to repay his loan to "A". sood / interest is just demanding an extra work in the form money. Further, renter pays only rent and is not responsible for the taxes, maintenance...

[@guidencetoall8507]

Mr Ghamadi if giving interest from halal earning is halal then giving Alcohol to friends or boss should also be halal according to you because Quran say not to cosume Alcohol but doesnt say not to give it to others...hope you got my point...its about society not individual as Alcohol spoils society so do riba and whoever becomes part of it will be accountable

[@harrismazari5484]

Yes you can give it as a gift to people who consume it. Nothing wrong there. Any other questions son?

[@unknownunknown3692]

@harris mazari are u insane? U proberaly want to buy a house and use mortgage hence u want this "ok" from a scholar to follow your desire

[@waqarmughal4489]

momin ki pehchan ye he ke usey kisi kaam pe zara bhi shoq o shoba ho wo ni karta jub tk ke clear na ho.. mujhy ab tak satisfied ans nahi mila is hadees ka ke udhaar ke uper nafa haram he...

[@MohdAyaz-yi7in]

Deena haram nahi balki lena haram hay deenay wala too mazloom hay

[@faisalnawazgondal585]

Dude WTF ?!! If I take money and then USE it to make an investment how come it's halal ? Just declare money as USEABLE and puzzle is solved.

[@hassankhan9010]

Then don’t invest

[@MrAlink1]

He is saying kinda misleading. He is saying that giving money and taken back on higher cost is suud(interest). No, in case of mortgage the bank do not give us home. They give us money which to be used for buying home. So clearly this is haram. Ok in my opinion there is one option which banks Must adapt in future. if the banks start selling houses and they give installment options. So that will be not haram. As they are giving house and we just paying them. And bank can make profit by selling higher than market price. That can work.

[@unknownunknown3692]

Still haram riba is anything selling higher then its value, there is a saheeh hadith about this

[@johncitizen5843]

That is an ideal situation but not even islamic banks are doing this. The islamic banks dont own the house. They also let you choose the house and then finance it.

[@unknownunknown3692]

@@johncitizen5843 no its sti haram if you are selling higher the the market place it still riba. It has to be an normal price for a rentable house which it to be bought. If its the same expense as riba u can can called whatever u want its still riba

[@johncitizen5843]

@@unknownunknown3692 credit sales (cost plus profit) are not haram but the islamic banks % rate is the same or greater than conventional banks so they have not done muslims much favour.

[@unknownunknown3692]

@@johncitizen5843 you can call it cost price if that cost price is much higher cuz you are paying in pieces its stil riba. It has to be normal price which wont be cuz the bank has 0 benefit in it

[@waqarmughal4489]

after watching all the videos, i am still stuck at "udhaar ke uper nafa haram he"

[@NJ-dz7oy]

Ghamdi saheb bat ya hay k jub wo rent ke surat ma pasay aik do month na pay kia jay to pher is per pher interest lugta hay ore pher na pay na karnay ke surat ma increase he hota jata hay asel problem is time shooroo hoti hay ap jo bat ker rahay hain wo instalment pay lee chizoon per hay jis ma raqem fixed hoti hay barrti nahi ap plz is bat ko discuss karain

[@mamamia8511]

Home Mortgage interest pe based hai..uska kia chicha.

[@Moviesexplaininurdu301]

Legend

[@pasbaneharam7951]

v=STawmMVP1L8&feature=youtu.be یہ جاوید غامدی صاحب کی فقہ ہے جبکہ رسول - صلی اللہ علیہ وسلم - کی حدیث ہے : عَنْ جَابِرٍ قَالَ :« لَعَنَ رَسُولُ اللَّهِ -صلى الله عليه وسلم- آكِلَ الرِّبَا وَمُوكِلَهُ وَكَاتِبَهُ وَشَاهِدَيْهِ وَقَالَ هُمْ سَوَاءٌ. »()صحيح مسلم:رقم :4177، جابر - رضی اللہ عنہ - سے مروی ہے کہ اللہ کے رسول - صلی اللہ علیہ وسلم- نے سود کھانے والے پر ( یعنی لینے والے پر) اور سود کھلانے والے( یعنی دینے والے) پر اور اسے لکھنے والے پر اور سود کے معاملہ میں دونوں گواہوں پر لعنت کی ہے ، دوسری بات سود اگر کوئی دے نہ تو پھر سود لینے والا اس گناہ میں پڑے کیوں ؟ تو کم از کم اسے تو کہنا ہی پڑے گا کہ سود دینے والا برائی میں مدد کر رہا ہے ، جبکہ اللہ کہ ارشاد ہے : ﴿وَتَعَاوَنُوا عَلَى الْبِرِّ وَالتَّقْوَى وَلَا تَعَاوَنُوا عَلَى الْإِثْمِ وَالْعُدْوَانِ﴾سورة المائدة :2، ترجمہ : نیکی اور تقوی کے کام میں ایک دوسرے کی مدد کرو برائی اور ظلم و زیادتی کے کام میں ایک دوسرے کی مدد نہ کرو ، اور جو مثال ہے وہ عجیب و غریب ہے کہ سود دینے والا اس لئے گنہکار نہیں ہے کہ وہ اپنا حلال مال ادا کر رہا ہے یہ گو یا ایسے ہی ہوا کہ ایک انسان اپنی بیٹی کسی بدکار کو دے دے کہ وہ اپنا منہ کالا کرلے توگنہکار باپ نہیں ہوگا کیونکہ اس نے اپنی جائز اولاد کو دیا ہے گنہکار صرف وہ بدکار ہوگا جس نے اس لڑکی سے اپنا منہ بغیر شرعی نکاح کے کالا کیا ہے ، مسئلہ : اگر کسی کمپنی میں آپ اپنا پیسہ انوسٹ کرتے ہیں اور وہاں سے کچھ متعین رقم آپ کو ہر ماہ ملتی رہتی ہے اور رأس المال بھی محفوظ رہتا ہے تو جاوید غامدی صاحب کا خیال ہے کہ یہ درست ہے سود نہیں ہے ، ان سے میرا سوال یہ ہے کہ جب کمپنی کاکسی ماہ میں خسارہ ہوگا توآپ کو کمپنی کہاں سے دے گی اور آپ کیونکر مستحق ہونگے ، شریعت میں اس بابت صرف مضاربت کی بنیاد پر صحیح ہو سکتا ہے جس کا مطلب یہ ہے کہ ایک فریق کا پیسہ ہوگا دوسرے فریق کی محنت ہوگی فائدہ جب ہوگا تو دونوں فریق کے مابین اصل پونجی کو نکالنے کے بعد تقسیم کیا جائے گا پہلے طے شدہ نسبت کے اعتبار سے اور اگر نقصان ہوتا ہے تو ایک فریق کا پیسہ جائے گا دوسرے فریق کی محنت ضائع ہوگی ، اور اس سے نکل کر شراکت کے باب میں آتے ہیں خواہ وہ : بدن کی شراکت ہو، ( شركة الأبدان) مال کی شراکت ہو، ( شركة العنان) جاہ و حشمت کی شراکت ہو، ( شركة الوجوه) تفویض کی شراکت ہو (شركة المفاوضة) تو ان سب کے اصول وضابطے اہل علم کی کتابوں میں موجود ہیں ان کا تعلق اس انوسٹ سے نہیں ہے جو جاوید غامدی صاحب مراد لے رہے ہیں ، انہیں کتاب و سنت سے ثابت ٹھوس اور مضبوط أصول اور ضابطے کی طرف دعوت دینی چاہیئے سود خوری کی دعوت بند کر دینی چاہیئے ، اللہ ہم سب کو حق کا متلاشی اور حق کا عامل اور حق کا داعی بنائے ! مسئلہ : ایک ہی سامان کی دوم قیمت ایک نقد اور دوسرے ادھار یہ خروید و فروخت کی ایک صورت ہے وہ سودی کاروبار نہیں ہے لیکن اسمیں بھی کچھ شروط ہیں ، جاوید صاحب نے یوں ہی اسے سود کی حلت میں کھینچ لیا ہے ، یہ سب جاوید غامدی صاحب کی اپنی فقاہت ہے جہاں ابلیس بھی نہیں پہنچ سکا ، ایسے فقیہوں سے اللہ کی پناہ ، ( اشتیاق احمد بن رئیس احمد سنابلی مدنی)

[@ahmedulkabirsk6353]

Its misleading information. Have fear on Allah. Ask guidance from Allah.

[@abhatti1859]

He don't know any think about baking. The bank never bay a house for you, they give you loan, and that loan is your as a borrower not that bank. His is a clever but misleading person .

[@naceem9834]

No, Banks buys house for you they dont give money directly to customers. I dont know abt Pakistani banks but in mortgage banks buys a house through solicitor , they dont pay you money directly. And use common sense, Sood is Haram because its a Zulm on someone who pays it, because it could be a devastating thing for him to arrange capital and then interest on it and he has to pay interest until he doesnt pay the loan back, but in mortgage if you cant pay the capital back just give the house back and walkaway. its not a Zulm you have a tangible asst with you.

[@synhope3746]

No sir. You are wrong. No personal attacks please. Bank do not extend loan, but they finance your mortgage. Dont try to confuse others. By the way, no personal attacks please.

[@abydpk]

Banks always buy a house and cars then u use and pay them in instalment

[@alinawafali6228]

The way doc gamdi explained peoples may not getting it unless make them two separate video don’t mix it up may peoples grasp it

[@MrFahadaziz1980]

Agar ghamdi sahab ke baat durust hai tau phir tau sood bohat thora reh gaya is duniya main.

[@abydpk]

Make sense for sensible

[@hafsahwaseem2628]

Consubale and useable کچھ سمجھ نئی صرف اتنا بتادے کوئ پڑھائ کے لیے قرضہ لینا حلال ہے یا حراُم

[@AhmedMehtabx]

Kaan o yaha se kahincho ya wha se ik hi bat ha... Riba..sud haram ha...no need to justify ...agr krna ha tu reference din Quran aur Hadith ka

[@rukhsanakhan4915]

Bank makan nahi deta bank paise he deta hai or use interest lagake Letha hai

[@mubasharhayat5201]

Sorry bank jo makan (house) car thyta hy wo bank ky name per hoty hn. Apko bank money nh dyta ke bazar sy buy krlo

[@healthylife1911]

Please aap ja kar doubara Quran aur Hadees par lein . Ye baat aap sahi biyaan nahi kar rahein.

[@haroonbaig5674]

Totally disagree nd illogical.

[@WorldsHypocrisy]

"Aap sood detay hein, apni halal, jaiz kamai say detay hein, letay nahee" - so if more of us, by that logic, start giving sood and the "few" who start taking it, wouldnt that be encouraging the banks and the society to adopt and become a more interest-dependent (read exploitative)?? Ghamidi sahib is promoting ideas which are misleading people.

[@leederzubair2747]

But if anyone is taking money just to feed his family because he has no money for that particular time and the person gives money taking advantage of the situation and demanding interest what will you say about that .

[@WorldsHypocrisy]

@@leederzubair2747 brother, this is a bigger debate. That person who doesn’t have money to feed his family shouldn’t get a loan, he in an Islamic society, requires to be given Sadqa and Zakat from baitulmaal.

[@leederzubair2747]

@@WorldsHypocrisy If he is not been given money from any institute ,what will he do .

[@WorldsHypocrisy]

@@leederzubair2747 Why would he not be given help from institution/individual in an Islamic society? That is the problem that needs to be addressed.

[@leederzubair2747]

@@WorldsHypocrisy so address that problem first and then make comments here

[@saimazubair7440]

He is misleading Muslims he is wrong please don’t listen to him.

[@ShahidAli-un2ih]

جاوید احمد غامدی صاحب کا تعلق لاھوری گروپ سے ھے لہٰذا اس شخص سے ھوشیار رھیں۔یہ سب کچھ جھوٹ ھے

[@ahmedshakebzubairi25]

No Quran and Hadith reference about the distinction between consumable and usable in his discussion. No logic that a part of transaction is halal and other is haram. Both these points of Ghamdi sahib are misguiding people. May Allah has mercy on all of us. Amen

[@obaid.13]

A big fitna of our time

[@salmanshah3319]

Sharam karo there is written that interest is charged on car or machinery which means sood no business is running without the percentage of loss only bank that is called safeside no tawakul on allah

[@IkramKhan-pv5vm]

Ye bahut bada fitna hai aaj ka. Isse sab sood halal hojata hai.

[@tashkinkhan2164]

Ye fitna fhaila rha ..liberal hai ye