Are Mortgages Allowed in Islam? | Shaykh Akram Nadwi

Are Muslims allowed to buy a house on a mortgage? Is there a difference between conventional mortgages and Islamic mortgages?
Shaykh Akram Nadwi explains his opinion and reasoning on the issue of mortgages and interest #FridayQnA.
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[@L6ila12]

Are we now saying. “Oh my lord, you have closed your doors of provision and rizq so the only provision that I now have is through interest (RIBA)” though the avenues of provision are many.

[@anelectrician]

To Allah we shall return for His Judgement and we won't be wronged !

[@hadithquran1]

Sign of day of judgement that knowledge will be taken away and ignorance will prevail widespread through ignorant scholars who will be misguided and will misguided other people. May Allah save us from following our desire and keep us on right path with patience.

[@habibba2323]

He’s misguided

[@maryam-lp8od]

No my beloved brothers you are clearly misguided . May Allah swt increase you in knowledge and make you understand the traps of shaytan !

[@ahmadandaleeb1781]

Mashallah so many scholars we have in this chat!

[@mohammadzubair7020]

ZERO EVIDENCE JUST WHAT ABOUTISM May Allah help us and guide us... Aameen

[@mohammadzubair7020]

O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. And if you do not, then be informed of a war [against you] from Allah and His Messenger. (Quran 2:278-9)

[@adr9304]

Ibn Abbas (The great Sahabi) used whataboutism a lot as evidence. Was he misguided according to you?

[@m1kro313]

@@adr9304 are you comparing the companions of the Prophet (AS) with this contemporary “scholar”?

[@fijianz1]

Agreed 100 %

[@AK47NoFFicial]

Do you have a link for the full video ?

[@shreebhasker6279]

People have no choice but to engage in the system of riba, according to Shaykh Akram Nadwi. It seems, according to him, Allah Al-Aleem Al-Khabeer The All-Knowing The All-Aware forgot to mention these in Qur'an hakeem or didn't know about them. Shaykh Akram Nadwi went on to correct these omissions in Qur'an mubeen.

[@SIGSEGV1337]

"[...]We have neglected nothing in the Book[...]" [Qur'an 6:38]

[@shabih2008]

Well Quran never prohibits giving interest

[@SIGSEGV1337]

@@shabih2008 ...what?

[@shreebhasker6279]

​@@shabih2008 So it is okay to sell or supply alcohol drugs to others since Quran only prohibits their consumption? How is engaging and facilitating a grave sin okay with you? Maybe according to you since Quran only says don't go near intoxicants, you can let them come near to you? Also according to you, maybe , since Quran says do not perform salah when you are intoxicated, you can get drunk do drugs otherwise. Continue this path, by fear the day you will find out. > Al-Quran 2/276

[@user-hc1fm9vh8t]

@@shabih2008 If you take your own interpretations without the Sunnah, you will end up with deviant views and misguidance. 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

[@suraiyakasim]

Asalamualaikum, is buying TDR is an Islamic allowed? The rate of the profit percentage is not fixed. Please kindly answer

[@MJAli89]

10x Surah Ikhlas = House in Jannah

[@roberthannah7983]

Its hard to understand his points, but to me its pretty obvious that modern interest is not the same as the exploitive riba burdening poor debtors whose unpaid debt was redoubled (riba al jahiliyya) by moneylenders at the time of the prophet.

[@L6ila12]

He is comparing apples and oranges. Housing and transportation are two different categories with unique challenges. Within housing, you look at the options and consider the least compromising option. Then within transportation, you consider all your options, and then consider the least compromising option. That is my understanding of daruura, correct me if I am wrong. His argument of, “they’re driving insured cars therefore they shouldn’t object to mortgaged housing” is flawed. It is illegal to drive without insurance but it is not illegal to rent till you are ready to buy a house without riba. We are commanded by Allah to follow the law of the land and the law does not force us to raise our children in riba based housing, Alhamdulillah.

[@f1cars547]

Is it a necessity to drive? Are you not able to take taxis and public transport?

[@kashif4463]

@@f1cars547 if you have Kids and a wife you expect them to take public transport everywhere?

[@f1cars547]

Will they die akhi if they do this? Will they not be able to survive at all? Or will it just be more difficult? Is something haram allowed to be made permissible for a hardship? Or is it only for a dire necessity?

[@soulunknown1]

@@f1cars547 No, my family wouldn’t even fit into one vehicle and it’d be pretty stupid, difficult and expensive to hire multiple taxis or use public transport every time. I simply couldn’t afford it. Same can’t be said for a house on rent. Benefits are even given to poorer households to asssit with rent. Same can’t be said for transport where it is also illegal to drive without insurance. There’s no way but to take car insurance. It’s a necessity. Mortgage/riba is not a necessity and people are even assisted if they can’t afford rent. No necessity there.

[@lowkey621]

Could keep your wife at home, there are only a few trips that are necessary

[@forestconstruction]

His arguments lacks textual proofs. If in my community camel meat is expensive and affordable by rich will it become haraam. What makes insurance Haram

[@shahee6579]

Some say insurance is haram due to gambling/ambiguity

[@aimtiaz_]

He didn’t say that something that is only afforded by the rich makes it haram (camel meat or halal loan). He’s citing the issues of halal mortgages that’s out there that’s only affordable by rich and that’s true. Islamic loans are only given out by small time lenders with very low capital and need huge deposits 25-30%, compared to 5-20% required by conventional loan.

[@aazi11]

Most of the cars are insured as its compulsory in most of the countries.. mortgage is not compulsory .. you can live in a rented house or buy it off Completely… but car u rent it lease it buy insurance is a must document

[@ehsaankhan7078]

sign of qiyamah, justifying the haram, making haram into halal, Allah protect us, Interest is War against Allah, and buying a house vs buying a car and then paying insurance on it are two completely different things

[@saidmohammed7090]

A house is a necessity, while a car is a luxury. It's important to understand this distinction, as both involve interest (riba). The majority of Muslims in the West are here for a better life, not necessarily for the propagation of Islam. Given this, why should I humiliate myself by relying on state benefits or renting a house fearing of eviction anytime, thereby paying my Hindu landlord's mortgage?

[@mahmoodhussain13]

As salamu alaykum wr wb Subhan Allah This is so true.

[@DC-wp6oj]

Even though its not ideal, ‘Islamic mortgages’ are still better because the owner of the property is the bank - not the person living in it. The title deeds clearly show the bank as the owner and an agreement is made by the bank and the resident that they pay rent. The rent is adjusted every 6 months, however the rent paid allows you to acquire a share in the property. On paper this IS islamic as the agreements are clearly set out and the bank IS the owner of the property. Yes it eventually costs more to acquire the full share of the property but it costs even more to rent conventionally and save money for a property at the same time. However in the grand scheme of things the banks do make more money which in some ways defeats the method. But thats for the banks to answer for their exploitation. The agreement made by the purchaser is still islamic as he/she is a tenant of the property with a diminishing lease purchase. Like I say, its not ideal but the method is islamic and devolves the buyer of engaging directly in an interest based transaction. In summary, if i buy a property, rent it to someone but agree that the rent paid will contribute to a share of the property (but i am able to increase or decrease the rent depending on ‘market conditions’ whose scale i choose (e.g price of bread, gold or even BoE base rate) then the tenant is removed from that equation. It is still better than a conventional mortgage because of the tenant/landlord arrangement. The detail is in the terms of the agreement. The buyer is exploited but removed from the equation. The landlord is answerable for his exploitation.

[@ahmedw5]

Hmm, i wonder why they "increase the rent every 6 months" instead of just selling it at a higher price from the beginning since they own it? There wont be a need to increase "rent" since they full price is still higher than what they bought in the first place. I hope i made sense. Either way i agree that this is much better than the alternative.

[@franky197194]

The irony of buying a house with a riba based mortgage because you want to live near the masjid...... SMH!!!

[@ImranAli-tm3rq]

Do you pay car insurance? If so please cease driving and use public transport.

[@franky197194]

@@ImranAli-tm3rq that's already been dealt with and a concession allowed for car insurance by vast majority of ulema as it is the 'law of the land', whereas there's no law that obliges one to get a mortgage to buy a property.

[@ImranAli-tm3rq]

@@franky197194 The law of the land does not oblige one to drive. One can use public transport or get a bike like so many people do. Also people that live on rent are most of the time obliged to suffer extortionate rates for sub-par accommodation, they can be asked to leave at any time too...the ulema ask them to tough it out for reward from Allah. Why don't you tough it out and use public transport or a bike??

[@arsalanmustafa1563]

Imran Ali insurance is allowed because it’s not riba - these are two different issues. Please do see Br yasir Qadhi detailed video on it. We deeply respect sheikh nadawi and he has the best intentions. We just need to remember the fatwa of a scholar will not save us from what we know in our hearts to be true - money lending has been unchanged for centuries. May Allah swt guide us all

[@ibrahimchaudhry4]

@@ImranAli-tm3rq you can pay annually which has no interest my brother

[@muslimhubuk8651]

I Love shaykh Akram! May Allah preserve him and bless him with good health and keep him around us with his knowledge for another 50 years at least!!!

[@abdulshakurmuhammad2480]

Amin

[@habibba2323]

May Allah guide him , he doesn’t know absolutely nothing and lead people to hell fire

[@Fara-pz3ip]

Indeed those who have property investments on mortgages love this sheikh Alhamdullilah, I started selling my properties and came out from riba by the mercy and help of Allah Now I need to rip off my credit cards (on which no interest is paid if amount owing gets paid off every month by the due date ) it’s still Haram as the credit card agreement states that such and such interest is paid if balance not cleared every month … due to the nature of agreement it’s haram to have a credit card or a current account where interest is paid if balance go into overdraft facility The reality is that whole “ banking system “, is haram Indeed we are living through the time of great deception Where Saudi Arabian royal family doesn’t represent Muslims ( who surrender to one almighty Allah ) in fact represents Zionism … Well one needs to wake up to see the reality but majority of us are sleepers

[@AA_Truth]

This is very difficult to swallow. I hope one day he will give a detailed answer on this topic. I don’t know much about him but people say he is a great scholar. He said something that requires very good explanation and evidence.

[@beyofbeys6448]

Even though I know he is a great scholar I still can’t except mortgage to be okay.

[@AK47NoFFicial]

@@beyofbeys6448 the point that I can see is the "need and necessity" for safety and "security for your family"....especially if you wa t to live in a decent area away from antisocial and other type of issues......but this Riba to live safe and secure is difficult to digest. But the whole world is divided in this. Its a shame.

[@beyofbeys6448]

@@AK47NoFFicial we have a choice, either we accept what Allah, prophet Muhammad (saw), all other prophets that came before him, Sahabas and great scholars have said or we accept what few of the recent scholars/imams are saying. Not a difficult choice

[@AK47NoFFicial]

@@beyofbeys6448 if you read my comment carefully again, I mentioned "difficult to digest"....ie not so.ething I'm for but against. But its a shame a big shame for the divided choice and opnions of scholars etc.

[@thehardisgold7267]

@@AK47NoFFicial Salam, A Muslim has the choice to leave the Western country and go to a Muslim country. I don't think the Islamic Law of Darura applies in this case. Living in Europe/ USA is his or her choice, no one forces them. and then making themselves so-called Victims is just laughable. They just forgot one simple thing that On the day of Judgement they will not answer to this or other Sheikhs but Allah who is aware oof what is hidden inside the brest of human.

[@Wisdomseeker1028]

"Interest" in a mortgage is not necessarily the same as Islamic riba even though thats the translation, it could have different meanings. The following are some ways that Riba is different from Mortgage Interest: ~ With riba, the rich lender does not contribute to any business, he simply uses his money to grow his wealth. With mortgage, the rich lender (or bank) at least mandates the borrower to get an appraisal, inspection and home insurance. They spend time to review those docs too. Should they not be compensated for putting in their time to review documents that benefit the home and the borrower? ~ With real riba, the lender lends money, and he gets back money with extra. Its money for money plus extra. Or gold for gold plus extra. With mortgage, the bank never hands you the money. Instead they hand the money to the seller and then make an agreement with you to transfer the house to you for a higher price. Its basically a product for money, like a trade, but not money for money. ~ With mortgage, the borrower and lender each put up their own money to fund the purchase therefore both having a stake in the house, both legally and practically. This is like a business partnership with the bank. With riba loans, no such partnerships exists where both parties are tied to a commodity.

[@lorenzomuhammad1715]

This actually makes sense….

[@HAltaf96]

You can try and twist it as you like, but at a fundamental level, all you have is a bank giving you a loan that you just pay back with interest... Based on your argument, I could put alcohol in a milk carton and dilute it with water so it does not intoxicate, and now I can drink it for pleasure.

[@Sarah00787]

@@HAltaf96 what kind of an example is that? Like for real

[@aliabdul3738]

Fear Allāh subhanahu wata’la All interest base mortgage are Haram

[@ImranAli-tm3rq]

Do you pay car insurance? If so you should cease driving and use public transport.

[@mujibulislam6303]

@@ImranAli-tm3rq car insurance or home insurance are state requirements and islam always say you have to abide by the law of the land , But mortgage is not state requirements, its your wish either rent out a property or buy freehold if you are wealthy , SO ALL MORTGAGE ARE HARAM,SIMPLE AS THAT

[@ImranAli-tm3rq]

@@mujibulislam6303 no they are not state requirements. Many people use public transport or a bicycle. The Ulema tell people to not get a mortgage, tough it out in low quality accomodation, to be patient with high rent rates and untrustworthy landlords. I say with the same principle the people should tough it out and use public transport or get a bike .

[@TheKhan2222]

This man is idiot

[@nafizhaq4554]

Yasir Khan do you know him ? I guess not which make you one !

[@kamolegamberdiev7793]

Nouman ali khan recommended to listen to this man.I can not swallow it.

[@mrmr894]

Yeah me too , I tried to listen and it just doesn’t make sense. I think probably he meant someone who is in dire need like really dire and that can’t escape no matter where he or she looks it from but a lot of us can survive from it and pay rent, so it won’t work for us. And Allah knows best take the good and leave the bad

[@zaararasheed1322]

NAK used to be so relevant and profound but gosh the downfall is crazy. Mixed gatherings in his shows, women in thumbnail of some of the video available on his channel like i don' t know. Why and how. He literally was the first person who i started listening to when i started to leave my ways of jahaliyat but i can't fathom so as to how NAK has turned out to be. This man claims crazy things in this video *sighs* and NAK supposedly praises this guy everywhere . Besides, i also understood a very important lesson so as to never ignore the red flags like he trimmed his beard off but i obviously being his fangirl shrugged it off and the Aqeedah clip and all. All in all he is still better than so many who clearly are crazy, but i hope he of all people mends his ways. He for sure is gifted in the way he speaks, has a very convincing influential style of speaking so i hope he corrects his mistakes and associates with right people.

[@ahmedw5]

Difference between car insurance and house mortgages is that it is ILLEGAL to own a car without insurance, while it is totally legal to buy a house without mortgages. So that comparison is completely flawed.

[@mikeangelo8152]

You can survive without a car. Put yourself in haraj and just use public transport. Just the same way dont buy house you are saying and rent. Go figure…

[@ahmedw5]

@@mikeangelo8152 No doubt you can survive without a car. I don't disagree with him that impressible things can become permissible at certain times. The issue is that the comparison he made was flawed and wrong because you can't own a car without insurance by LAW. The same can't be said regarding a house on mortgage. There is no law that forbids people from buying houses without mortgage. Therefore i disagree with him on this. It is not a valid comparison.

[@L6ila12]

@@ahmedw5 thank you brother Abu ismail. Transportation and housing are two different categories that cannot be compared. It’s like comparing apples to oranges

[@zainabfatima2808]

I can't survive without a car, there you go, happy?

[@SIGSEGV1337]

@@mikeangelo8152 Yes, and if it were an issue of taking riba to buy a car that would no doubt be impermissible. But the illegality of driving without insurance is compulsion, in the same way that if someone tells you owning a house without home insurance is illegal then that is compulsion, and compulsion is not blameworthy.

[@hushamqadeer7106]

I’m sorry but you need credentials to give a fatwa especially on something as major as interest. This is misguiding many people as interest (mortgages) are clearly haram and is the consensus of scholars. Buying a house is not necessary when you can rent. Renting doesn’t put you in difficulty but a mortgage does because it also puts you in major debt. The prophet pbuh in a hadith said a soul lingers until their debts of dunya are paid off. The topic is interest is much more severe than this. Insurance is a topic in its own right and interest (riba) is a completely different topic altogether so it can’t be used as an analogy at all. Allah guide us to the straight path.

[@maryam-lp8od]

you have no idea who this many is ? do your research about him

[@ZeeshanUsmani_EngSubs]

Nobody can kick out without notice I didn’t someone kick out from there rental house in Australia

[@dailiynasheeds]

insurance haram but no riba mortgage haram because riba riba = war so becomes halal to to war against Allah?

[@beyofbeys6448]

Being sinful for purchasing insurance doesn’t validate taking haram mortgage. Very poor argument for a very knowledgeable person. Sad times 😟

[@nafizhaq4554]

Well the whole monetary system is haram then why you use currency ? Can you use gold and silver for transaction guess not then as it’s necessitate to use the currency in order to survive hence this case

[@deFreijtas]

That is not what he said. It’s about a parallel. Scholars that oppose conventional mortgage by saying it’s haram say that you cannot buy a house so you have to find an alternative, for example renting. However when it comes to the car insurance thing they don’t say you have to find an alternative like taking the bus of train for example. So in that way it’s kinda double standard.

[@saidmohammed7090]

On one point, I agree with Sheikh Akram: there are no truly Islamic mortgages available in the US and other Western countries. On the other hand, if someone is renting, they are essentially paying off their landlord's mortgage and even providing them with additional income. Islam places a strong emphasis on justice, so where is the justice in a rental market that humiliates and exploits tenants?

[@shezamufc9278]

Please people don't listen to this guy he is misguided person, if you want to learn your deen go to proper scholars.may Allah guide him and all of us on the stright path ameeen

[@ws2040]

It is illegal to drive a car without insurance whereas you can always rent a house (with some exceptions).

[@shahee6579]

No one makes you drive though . We do it due to convenience . There's public transport . Seems like we're picking and choosing

[@sharifeee01]

so when you use public transport, don't you pay for insurance as well?

[@shahee6579]

@@sharifeee01 what's your view on this matter

[@ws2040]

@@sharifeee01 You only pay for the ticket or monthly pass

[@ws2040]

@@shahee6579 but what if you live in a rural area where there is no public transport.

[@blueflamegasuk3953]

Allah SWT didn’t declare war on the one who have car insurance! Interest is forbidden even if it’s 1p. Ask this dude if he is happy to stand in front of Allah SWT on the day of judgement and say he changed Allah’s ruling on riba and misguided the people.

[@aziznagina1644]

MaShaAllah straight to the point. Not being diplomatic in Islamic fiqh issues requires courage. May Allah reward you with the best in both the worlds.

[@roneddy]

Courage = going against the command of Allah? May Allah guide us all.

[@SulaimanamialuS]

@@roneddy Dude are you even married? With kids? get to that state in life and then start commenting about whether a house is a need or not. Teenage keyboard warriors...

[@roneddy]

@@SulaimanamialuS I am married alhamdulillah. Families can live just fine in an apartment, a house is not a need. Prophet Mohammad peace be upon him and the companions lived in simple means and were able to achieve so much. Stop justifying interest when it is clearly haram in Islam. And there is no barakah in a house that is bought using mortgage.

[@ahadzia1]

Scholars are now a days justifying interest in a beautiful way.Allahu Akbar.May Allah protect us all from RIBA

[@mariyanaz5836]

Yes, they really are although the Quran states those who deal with riba rage a WAR against Allah and his messenger. I guess we hear what we want

[@ahmedyousuf966]

Can you drive car without insurance 😒

[@byagiejakiteh9501]

Subhanallah

[@Goodway92]

What i think Car insurance for one car and first house mortgage for living with family is allowed Some people's doing businesses with properties or some deliver haram food with car insurance is haram ....In UK you cannot survive without home and car

[@AhsanHaji]

People who have no knowledge are debating about scholarly issues and criticising scholars.

[@msnaveed]

JazakAllaho khairan Sheikh

[@user-dm9gu9xw7w]

Its said in Quran. Interest or riba is haram. Now logic coming from people. The day of judgement is near. Look in to sura Al bakarah. If don’t believe in Quran what kind of Muslim you are. There are millions of Muslim will go to hell because of misguiding. May Allah swt give us taufiqe to understand the Quran .

[@chillachilla1349]

Sorry but this is a joke ya allahsw forgive me ameen and give this man and me guidance of true fiqhi knowledge ameen

[@KIDrotterdam]

What if renting a house will be much more expensive then buying a house. And the area will be bad and less room for the kids? And every year the rent of the house goes 5% up? I feel a nessesity off buying a house! Renting a house in the netherlands is getting crazy. Now we sleep with 3 boys in my bed. 1 kid is autistisc and need his own space. My daughter is 14 and also needs here own room. For me to rent a place big enough wil cost allot money that im trading away. For that same or lees price i have something better and im not trading it all away. We live in a sitatuation. Dont approach all so black and White.

[@shahee6579]

May Allah make it easy for you . Try to speak to a scholar

[@WasimKhan-zf8fc]

Nothing or no condition can justify haraam brother. Quran says the angels will ask the Muslims on the day of qayamah what kept u away to follow your religion and they will reply we were oppressed in our land and the angels will reply was the earth small for u u should have migrated so for now enter the hell. Brother if religion is Ur priority u won't need any fatwa but into Ur heart would u accept something against Ur taqwa which ALLAHswt has prohibited. Jzk

[@nafizhaq4554]

Yes and not many would understand the substance of it bro and will lecture here without empathy! On the other hand most people don’t even understand the concept of mortgage ! bank giving you a fund to specifically buy a house that you choose which can not be used to buy other things unlike a loan. The property is also collateral to bank so in case you don’t pay bank can kick you out from the house that you bought with banks money 😁 So technically you don’t even own the property in substance but just on paper. I guess it a very complex matter and some one can not justify it as Riba with out further looking detail of the transaction and use case which some scholars and key pushers has lack of understanding.

[@bluesage7744]

@@WasimKhan-zf8fc i thought you can even eat pork to prevent dying and now you are saying nothing or no condition can justify haram . please do not spread misinformation. thank you

[@WasimKhan-zf8fc]

@@bluesage7744 when did I say u cannot eat pork if U r to die from hunger?? Don't put false words into my mouth. Read my other comment clearly please and don't misinform from Ur end. U have come down to such a shameful act just to what save Ur elder(that's a level) Eating pork when Ur life is at stake is allowed but dealing in riba when u could rent is not life threatening or oppression in anyway that's why it's haram yes only untill someone points a gun on Ur head and ask u to sign a contract and then abide by it so it becomes halal. Tell me one situation where not mortgaging a house is life threatening? Or not using any riba based contract is life threatening. Increase my knowledge bro. Only haram becomes halal in one scenario and that's to save life and when does owning a house equates to saving Ur life. Don't follow Ur whims but follow the truth only if u seek it which is difficult to disgust and follow in this modern era but not impossible

[@ceesaydesignsolutions]

we sheek refuge in ALLAH from the evil of mankind! May ALLAH increase you in knowledge for verily YOU should NOT be speaking!

[@Fara-pz3ip]

People who beat about the bush in regards to mortgage what will they do if someone tells them that todays currency is haram money or that living in non Muslim countries is not permissible… Let these people sleep 🛌 they will wake up on judgement day alongside such Ulmah who make mortgage halal .. when ayahs of Quran are very clear regarding interest , no one needs to go to ulama , maulvi or mufti to gain this knowledge It’s fard on every Muslim to open the Quran themselves and READ / understand

[@gulshanfarid5413]

Riba is haram,doctrine of necessity does not apply here,plz be careful in this regard.

[@ImranAli-tm3rq]

Do you pay car insurance? If so, please cease driving and use public transport like you used to and like many people do.

[@ImranAli-tm3rq]

@GuruTruthSpeak yes your money gets involved in riba in conventional car insurance..

[@ImranAli-tm3rq]

@GuruTruthSpeak Here, read this from a scholar and dont be arrogant. islamqa.info/en/answers/8889/the-true-nature-of-insurance-and-the-rulings-concerning-it

[@ImranAli-tm3rq]

@GuruTruthSpeak You haven't read the article and you just want to have smart comebacks. Riba is there in the investment activities of insurance companies...Whatever way you aim to spin it, having insurance is haraam by majority of mainstream scholars..

[@ImranAli-tm3rq]

@GuruTruthSpeak Do you invest in interest earning companies? Do you have an interest earning savings account? You think it's all permissible?

[@rehanchaudhary1861]

Brother May Allah guide you to the right path. Mortgage is haram. Do you think that Allah made a rule without knowing that there will be poor Muslims in this world? Islam is complete until the day of judgment so please don’t find ways to make Haram Halal.

[@sulemanibnmoosa]

Sheikh answered this question to me over 15 years ago, masha'Allah thank you for all the help!

[@habibba2323]

May Allah guide him , he doesn’t know absolutely nothing and lead people to hell fire

[@mohammedamin91]

This guy is talking like an ignorant.. he just compared what other people are doing and justifying the riba. We as a muslim not going to buy pork meat from a shop just because its cheaper than the halal beef or chicken we will buy the halal meat even it is expensive, same goes with the islamic loan or mortgage, just because its expensive doesn’t mean its haram. You have to understand how the business works in islami bank and mainstream banks.

[@nafizhaq4554]

He’s not asking you to go and buy a house in mortgage, listen carefully before judge someone !

[@dayax3335]

This guy is in great errors! May Allāh protect us from such people who are deluded. Mortgage is 'HARAM', period.

[@NImuslimguy]

So if we keep changing haram things to halal, whats the point of the test in this dunya. Theres no test at all. Haram things are placed upon us for Allah to test which of us are strong in faith and can overcome the test by holding on to the deen. This person makes everything halal and he even supports the abolishing of hudud. What is this ? I dont even recognize this religion anymore. It doesnt sount like Islam at all. May Allah (swt) protect us from this man and his distorted fatwas. Ameen.

[@nafizhaq4554]

What if your rent is 20% higher than actually buying with 10% deposit ? Bank call it interest we call it rent, in fact the rent, you can’t live in a place without paying a rent. I think on that measure even renting is haram cause effectively you paying interest as rent on behalf of your landlord. I agree you may not buy a second home in this model as the purpose is to have financial gain but for first home it’s mean of living than being homeless. Allah knows best

[@thehardisgold7267]

that's a very poor argument and a bad try to justify mortgage. When a person rents - he or she does not intend to pay someone's mortgage, but the primary reason is for living somewhere. On top of that landlord purchase decision made way before a tenant rent the house. Therefore, the Landlord mortgage and tenant rent are not the same.

[@nafizhaq4554]

@@thehardisgold7267 let’s be honest and practical that rent you pay goes to landlords mortgage account that includes interest element, which is not a secret ! Unless you find a landlord that outright the property which probably would be difficult if not non existent. Your rational doesn’t make sense, it’s like saying drinking alcoholic is haram but serving is fine because you are not consuming it and your customer has already decided what to drink before you take order.

[@thehardisgold7267]

@@nafizhaq4554 Your contractual obligation is to pay rent and live in that property... not to follow what the Landlord does with his cash. If your landlord has a habit to go to spend money on "Call girls" and alcohol and he uses rent you pay for this - now according to your logic, I am responsible for his poor habit???? You are only obliged by the contract you sign, not working as an advisor or keeper of Moral for the landlord.

[@nafizhaq4554]

@@thehardisgold7267 you simply don’t understand the logic here ! You paying rent towards the use of property and the liability on you how that property transaction take place, if it’s outright you shouldn’t bother where it was spent on brothel or alcohol but problem occurs where the property is mortgaged (which is in most case) where your rent goes to the same source if you would have been own it. I.e. you are the indirect payee of his/her mortgage it as simple as that ! I have to say based on your poor rational, you might as well say working in pub or bank is permissible as you don’t care where the money is coming from but you are not consuming riba or alcohol....

[@thehardisgold7267]

@@nafizhaq4554 Did landlord took up the mortgage after asking you??? Or it was an independent decision?? Stop playing with rent and mortgage. As for poor rational - I am working as CA for 15 years. unlike you quite well aware of financial transaction. Boy - go and study law of contract in Islam and get some knowledge about the underlining responsibility of consumer.

[@MuftiIsmailSatia]

A car is more of a necessity than a house. You can't keep using public transport, because of the same reason mentioned by Shaykh... too expensive! Mufti taqi Uthmani says, "Necessity for a house is if you are on the streets and no roof on your head." You mentioned that there is no such thing as Islamic Mortgage? Why did mufti taqi saheb sit on a panel for alRayyan bank?

[@MuftiIsmailSatia]

@Adam Platell so he can't comment? Lol all respect to you too brother. It shows he's far mor aware of British circumstances than Ulama in the UK, who are making haram into halal. Shaykh didn't even give evidence from Quran and hadith to make haram into halal

[@theahmedfahad]

@@MuftiIsmailSatia the thing which he said is true many hanafi ulema have allowed it in north america , how ever mufti taqi usmani the hanafi scholar from Pakistan doesnt approve it .

[@MuftiIsmailSatia]

@@theahmedfahad that's not a justice

[@ImranAli-tm3rq]

People with no cars do just fine. Its abit inconvenient but doable (if your job doesn't require driving).

[@MuftiIsmailSatia]

@@ImranAli-tm3rq there's no alternative to car insurance, there is an alternative to Riba based mortgage

[@HMD1986-]

Why insurance haram ? I just confused. Interests is crystal clear. But I don’t know why insurance is haram

[@SharifOmara]

Scholars say it falls into gharar (غرر) meaning it involves uncertainty. You may pay a lot and not get anything, or pay little and get a lot. In this sense they compare it to gambling. However many other scholars say that it is permissible if there is a hajah (i.e. a need) for it, especially if it is obligatory by law.

[@saidmohammed7090]

Insurance is considered haram (forbidden) in Islam for several reasons: 1. Uncertainty (Gharar) Insurance involves a high degree of uncertainty. The policyholder pays premiums without knowing whether they will ever receive a payout or how much they will receive. This uncertainty is seen as a form of gharar, which is prohibited in Islamic finance. 2. Gambling (Maisir) Insurance can be viewed as a form of gambling. The policyholder is betting that a certain event (such as an accident, illness, or death) will occur, while the insurance company is betting that it will not. This speculative nature aligns insurance with maisir, which is forbidden. 3. Interest (Riba) Conventional insurance companies often invest premiums in interest-bearing instruments. Islam strictly prohibits riba, or usury, making the involvement of interest in insurance practices problematic. 4. Risk and Profit. In conventional insurance, the profit model is based on the company assuming a calculated risk in exchange for premiums. If no claims are made, the company profits; if claims exceed expectations, the company incurs a loss. This risk-based profit model is contrary to Islamic principles that promote profit-sharing and mutual cooperation.

[@siuuu6418]

Sir mortgage is HARAM

[@zaararasheed1322]

He couldn't say "halal" the first time at the beginning of the video properly , he stammered as if his tongue didn't wanted to say what he was going to say...

[@sheethbiniadam3175]

I would prefer to live far far away from a mosque or a so called community center in a rented accommodation rather than buy a house on riba close to a mosque. What a stupid logic by Akram Nadvi. May Allah guide us all.

[@alihall4208]

The level of ignorance in the comments. Whether you agree with him or not, you need to learn Usul-ul-Fiqh.

[@WaheedAesthetic1]

Disgrace

[@BornInBosnia]

This man should not be talking.

[@BornInBosnia]

@@kanizfatima1377 Allah knows more than all of us. And He, Subhanuhu wa ta'ale and His messenger saaws forbade interest. You shouldn't be commenting in such an arogant way, but unfortunately I'm not surprised because one baatil will always stand in defence of another baatil. I'm pretty sure that you don't know much.

[@Khadari2013]

Omg this Sheeq is so wrong. He’s litterly telling people to go comment riba. That’s rediclous and careless. If your not afraid of god don’t take people with u.

[@quicktingz2097]

Buy a house with a mortgage and leave my kids something or live on rent all my life and pay off my tenants mortgage? Hmmmm 🤔 let me think about it.

[@moizkhan8057]

Astagfirallah. Cant belive this old man is pushing mortgage. Pathetic

[@amerelliotrancekeehl6287]

This Shaykh does not have any ijazahs/credentials in the fiqh of finance/mua'malat He does not have have a right to speak on tese matters Please see AAOIFI Accounting Auditing Organization Islamic Financial Institutions

[@abidtufail5293]

Shameful

[@abdullahk8691]

Mortgage is haram.other than that I agree with shaikh

[@naureen007]

Just presenting one baseless logic after another

[@nomadbiker4040]

this guy is dangerous... he has other statements making tahreem and tahleel of other issues that have been legislated by Allaah Almighty, Al Hakeem... anyone who thinks he's a worthy scholar to be listened to, then be warned of what happened to those before this ummah: Surah Al-Maeda, Verse 44: إِنَّا أَنزَلْنَا التَّوْرَاةَ فِيهَا هُدًى وَنُورٌ يَحْكُمُ بِهَا النَّبِيُّونَ الَّذِينَ أَسْلَمُوا لِلَّذِينَ هَادُوا وَالرَّبَّانِيُّونَ وَالْأَحْبَارُ بِمَا اسْتُحْفِظُوا مِن كِتَابِ اللَّهِ وَكَانُوا عَلَيْهِ شُهَدَاءَ فَلَا تَخْشَوُا النَّاسَ وَاخْشَوْنِ وَلَا تَشْتَرُوا بِآيَاتِي ثَمَنًا قَلِيلًا وَمَن لَّمْ يَحْكُم بِمَا أَنزَلَ اللَّهُ فَأُولَٰئِكَ هُمُ الْكَافِرُونَ Verily, We did send down the Taurat (Torah) [to Musa (Moses)], therein was guidance and light, by which the Prophets, who submitted themselves to Allah's Will, judged the Jews. And the rabbis and the priests [too judged the Jews by the Taurat (Torah) after those Prophets] for to them was entrusted the protection of Allah's Book, and they were witnesses thereto. Therefore fear not men but fear Me (O Jews) and sell not My Verses for a miserable price. And whosoever does not judge by what Allah has revealed, such are the disbelievers.

[@ahmadbashiri4880]

This man is bringing the wrath of Allah upon himself by giving the wrong Fatwa.

[@user-qu2sf8bk7r]

kadhaab

[@robtecau4963]

What a terrible answer. How can you make riba halal? Disgraceful.

[@ImranAli-tm3rq]

Do you pay car insurance? Why is that halal when one can use public transport like many do or get a bike? Genuine question.

[@robtecau4963]

@@ImranAli-tm3rq No, I do not own a car or pay car insurance. I use public transport or mini cabs. In any case, how can Akram use whataboutery to try and make riba lawful?

[@drzm1811]

Rob Tecau nobody is saying that riba is lawful , thing is simple which few ppl make complex , what about islamic finance which are charging ppl way more that covnentional finance ??just by using name of islam doesnt make it lawful to charge more .

[@robtecau4963]

@@drzm1811 This is another example of whataboutery ("what about islamic finance..."). Akram has claimed that it is lawful to have usurious (ribawi) mortgages. It is upon him to provide evidence that this is allowed from the Qur'an and saheeh hadith. Where is the evidence?

[@drzm1811]

Rob Tecau so the answer is u r not living in a perfect islamic law abiding / sharia law country , every product we use now a days comes from a factory which is running on finance / riba , and akram said riba is haram but it should be riba firstly ( money upon money ) but when any comodoty comes in between it goes out of definition of riba , the public transport you are using may be under huge dept of riba and you are paying money for travelling ( indirectly some how helping company ) is that not unlawful?

[@breal101]

Fake shaykh and plenty of 'followers' in the comments.

[@WasimKhan-zf8fc]

Scholars for dollars..Shame!!!!

[@bluesage7744]

careful with slanders, and dont disrespect our elders

[@WasimKhan-zf8fc]

@@bluesage7744 Making something halal which ALLAHSWT has declared haram is a virtue of iblees. Anyone accompanying his thoughts is not my elder. Secondly, if u accept him u reject Quran's command and don't tell me he understood religion more then then sahaba or salaf even they considered it riba

[@WasimKhan-zf8fc]

@@bluesage7744don't tell me u cannot rent. I live in the uk and I have been renting since ages now with no issues whatsoever. It's not a need to mortgage as Ur not obliged to do so or U wont die without it. U can eat pork when life needs saving but that too in quran it's specified not to eat to fill up urself but enough to give u enough strength to live. And by the way I reject Islamic so called banking system as well. If in a country Ur forced to take mortgage then migrate that's what's been asked of us as muslims.

[@bluesage7744]

@@WasimKhan-zf8fc even umar r.a. regretted not fully understanding some issues regarding riba in authenthic narrations.

[@bluesage7744]

@@WasimKhan-zf8fc do not assume everyone's condition is the same as your own ,i understand i am wasting my time now with you

[@al-manarinstitute8176]

Masha Allah, great explanation