Is Mortgage Halal | Javed Ahmad Ghamidi

Al-Mawrid Website: www.al-mawrid.org
Al-Mawrid Hind Website: www.almawridindia.org
E-Mail: [e-mail], [e-mail]
Facebook: / almawridhind
Subscribe: / almawridhind
Twitter: / almawridindia
Instagram: / almawridhindfoundation
Key Words:
Islam
Quran
Allah
Hadith
Muhammad
Javed Ahmad Ghamidi
#Islam #JavedAhmadGhamidi

[@nigarahmed1]

Masha Allah. Best explanation.. may Allah bless you with abundance and may you have a long life… We are truly blessed to have you among us.. I am a strong supporter of you Ghamidi saheb..

[@HeyGuysHave121]

Dr Israr, Eng Mirza our Gamzi sahib Pakistan ke herey hain MashaAllah.

[@rehanriaz620]

Simple, quick answer....HARAAM

[@MQureshi1]

All power to amazing steadfast people here in chat. I encourage people to study the definition of RIBA fully and understand the concept of Capital lease (or Asset based lease) and Islamic Mortgages and the concepts behind those. Just using the term Interest doesn’t make a thing Riba. Once you study and consult with a specialist Islamic a scholar who is also a financial expert then you can come to right conclusion. Please refrain from forming judgement about others and boasting about your renting.

[@theyoungestyoutuber]

Please try to listen him first and then comment. He differentiated the loan in terms of cash versus the mortgage, and in financial terms both are different.

[@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.

[@iqbalh139]

Ghamidi saab very brave scholar, Be say things others would dare say

[@soidahmad4760]

You’re absolutely right

[@saliktanveer2605]

Exactly what i thought after listening to this. Bank doesn't sell you the house, it gives you the LOAN to buy the house that you want and charge interest on that loan. How come it is halal :)

[@SAhmed-mu6cb]

@@saliktanveer2605 Loan and Mortgages are two different things , let me explain you how bank works for mortgage as per Ghamidi sahib You found a house and you intended to buy don't have money to pay outright you went to bank I found this property I am willing to buy, Bank took your details working details etc wages bank come out and say ok we will finance this property as mortgage ,for example property asking price $200000 bank says you pay 20% rest we will finance , for example $160000 bank money invested in property for you under your name house purchasing. now come to what you call interest bank original amount 160000+40000 ( Credit Cost ) added over 20 years of a mortgage ,now ask bank explain this credit cost they say we charge certain % on actual credit ( now this is your understanding you call interest or cost of the credit ) as per ghamidi sahib he's right buying a house on mortgage bank doesn't pay you cash money into your account bank pays to the buyer on your behalf through solicitor you never see the money you see the product hope this clear ,anyway these problems arise usually between subcontinent Muslim if ribah bother that much stop living in PK or any other similar countries ,nation living on Ribah there and justify that halal living on ribah so brothers conclusion is please listen how this respected scholar explained

[@iffig6924]

Great reply! This is how Islamic banking works, they employ the same principle of commodity murabaha for mortgage or car purchase.

[@unknownsa1364]

جزاکللہ محترم

[@azafar6493]

Bank mortgage doesn't care about property. It is more interested in how its money is multiplying in years to come while principal(main amount borrowed) is still sitting there and ought to be returned with additional amount in name of interest plus any fees. That's typically riba. When banks themselves call it * interest * then I don't why our scholarship tries to make it halal. On average us/can homes cost 300K and minimum mortgage interest is 3 percent which ends up additional nearly 150K after while u end up paying about 450K in 30 years.

[@synhope3746]

Just banks, everybody wanted to multiply the money. Not just banks. Where is your argument. Dont give sweeping statements please.

[@shizakhan540]

After 30 years his house price also reache 450k

[@Poonty305]

Islamic financing also available where they rips off people in the name of Islam. Bank never handover any money to customer and customer can not use it for himself. You don't even own property until youb100% pay off. When you borrow money based on riba you are responsible to return with sood and you can use borrowed money as per your need but here you can not even touch borrowed money. To me seems like this is not the form of actual riba but Allah knows better.

[@muhammaddildar7221]

Great scholar

[@sultan562]

these guy will be held accountable on the day of judgment

[@zulqarnainhaider4739]

🤣🤣🤣🤣

[@sajidaltaf3829]

But bro islam laws start to end is same it will not change on the day.

[@sacali4654]

Exactly so stupid when you sign mortgage its clearly says on contract this percentage interest you will pay so what that fucking interest is you idiot ghamidi you want to go to hell than go why you taking other to hell

[@rocketshoot3027]

He never said riba is halal. He always said riba is haram. The arguement is whether the current interest banking is ribaa

[@masiurrahman3953]

In present day interest has changed it's form and appearing in different names to us and muslims are justifying it. May Allah protect us all from the interest based transactions.

[@IxxxMnMxxxI]

ameen.

[@mirrorreflection3479]

Two Points that need to be understood: 1) When the person can't pay the loan on business items, then forcing him would be wrong because Interest is forced income so even if we accept lending goods is fine, the repayment can't be more than the principal asset due to the loss the borrower made (kyu ke uno ne istimaal kardia). A better solution is entering into a partnership so profits can be shared on a higher basis potentially. 2) In a mortgage the receiver of the money can demand amount more than the market price because that would mean he has already put his interest in advance.

[@kashifrana6798]

Bank does not give house or car, it just gives money to you and ask interests on that money.

[@MuhammadWaqas-ir8wv]

are you sure..If you dont pay, can bank take back house and sale it ..think who has ownership and who is paying rent in this context.

[@malikshehrozeali9585]

There’s a lien on your property. Bank has rights to your property

[@eclecticeccentrickamikaze6526]

Any fee on renting money is called something Riba/Sood". It is up to the borrower whether he/she wants to use it or consume that money that he had rented. Ghamdi Sahib, Isn't renting a property itself a sood /riba on money in form of property? Therefore, IMPOV; Renting (land/property) or land is as haram as Riba as I don't see any services in renting a house. Mufti sb you need to research it. For Example. Let A has been renting a house from B for 50 years. After 50 years, B has already recovered the money on which he had owned the house but B is still the owner of the house that he rented to A. The value of the property and land increases with the passage of time. B who still receiving rent from A has already received more than the value of the house and property. Is this fair? Shouldn't A be shared or completely given the ownership of the house that he rented from B? Money is just a currency in the form of a coin bill reward for the work of a worker. Loan and debt should be considered as work and exchange for an equal amount of 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 an equal amount of effort somewhere in the form of money in order to repay his loan to "A". Sood / interest is just demanding extra work in the form of money.

[@user-wt1sj3vz9g]

Ghamidi Sahib thank you , while not the least deviating from the Quranic directives, for not defining the amount paid over the principle amount on mortgage to the Banks as interest or usury and thus clearing the misgivings in the minds sincere adherents of Islam. This distinguishes you from the so-called block headed Islamic scholers, who present Islam as incompatible with logic and reason and hence create confusion in the minds of it's followers.

[@FahadKhan-vj6op]

Mr. Ghamidi, perhaps you're not aware of how your philosophy works in banking system... banks usually don't make contract where they mention the charges include rent and actual value to be paid over a certain period of time. However, they do mention percentage % on the actual amount .. and this % has nothing to do with the rent... the excess amount that they charge is called interest in their terminology and profit in islamic banking terminology... you want us to believe interest as rent... this is hypocrisy.. ; if banks are really sincere then why can't make rental agreement.... because they want greater return on their money.. and its where the problem lies...

[@synhope3746]

Does the document says USUARY? Riba is USUARY not interest! He never said riba is halal. He is against Riba. You dont want to hear it. He never said the current banking system is perfect. Nothing is perfect in this world. Banks do not give loan to you, but they finance you. The money is not handed over to you, but to the seller. The argument is whether riba is interest. It is not.

[@mustafapathan9356]

Fahad Khan bhai mujhe jyada angreji nahi aati par ghamidi sahab interest ko halal karne ki koshish kar rahe hain. Shayad inko maloom nahi ke interest lena dusre par zulm karna hai. Ab aap money par le lijiye ya phir kisi cheej par baat ek hi hai. Maan lijiye ek aadmi ko ghar ki zarurat hai aur uske paas paise nahi hai. Usne ek ghar dekha hai jo 50 lakh mein mil raha hai. Bank tumko woh ghar dila dega aur 50 lakh par 30 lakh rupye jyada lega. Ab aap bataiye ke yeh zulm hai ya nahi. Ghamidi sahab ke hisab se sirf paise ke upar badha kar paise lena hi interest hai. Jabke inhone isi lecture mein khud kaha hai ke aaj kal paise ke upar interest lete hain aur kadeem zamane mein sone chandi ke upar interest lete the. Asal mein yeh shariyat ko aaj ke jamane ki sahuliyat ke hisab se badalna chahte hain. in logon ke badalne se shariyat nahi badlegi. Balke yeh khud badal rahe hain aur logon ko bhi sahi baat se door kar rahe hain. interest chahe chawal ki bori pe ho ya paise par woh interest hi hota hai. Ex- jaise ke ek dukan wala cash mein led tv 20 hazar ki deta hai lekin usi led tv ko aap kishton par lena chahte hain to woh apko 30 hazar mein dega to jo yeh usne 10 hazar liye hain woh interest hai. aur dusri baat document change karne se sood rent mein tabdeel nahi ho jata. Ab aap log khud hi faisla kar lijiye ke bank loan dekar upar jyada paisa leta hai woh kya hai. Yeh koi chhota masla nahi hai ke kisi aalim ne bagair daleel ke bol diya ke interest khali consumable cheezon par hota hai usable cheezon par nahi. Yeh likha hua kahan hai? Hum sabko ALLAH se darna chahiye Qur'an 2:275 - Sood khor log na kharay hongay magar ussi tarah jiss tarah woh khara hota hai jissay shetan chu ker khabti bana dey yeh iss liye kay yeh kaha kertay thay kay tijarat bhi to sood hi ki tarah hai halankay Allah Taalaa ney tijarat ko halal kiya aur sood ko haram jo shaks apney pass aaee hui Allah Taalaa ki naseehat sunn ker ruk gaya uss kay liye woh hai jo guzra aur uss ka moamla Allah Taalaa ki taraf hai aur jo phir doobara ( haram ki taraf ) lota woh jahannumi hai aisay log hamesha hi uss mein rahen gay.

[@shoaibhaq8680]

Syn Hope perfect lol.. The world banking system is the biggest fraud in the history of mankind.... I suggest you go and watch the series named secrets of money

[@asimutubevideos]

Agree

[@altafahmedafridi]

@@mustafapathan9356 50 ka 80 zulm hay, likin agar app us ghar may shift ho gaye to kya aap pay karay nahi parhta??

[@TruthTruth-mz2cw]

Not only banks fund the loans (for mortgage) for long period of time but also banks mandate the loan receivers to MAINTAIN the property (for wear and tear) from time to time to preserve the value of property (of-course with less depreciation).

[@robertblack3867]

at Fahad Khan, you need to listen to him again.

[@zafarkhan-oh3rf]

Super sermon

[@khalidsohailhakim8141]

There was no system of motgage 1400 years ago but barter system. Riba interest was haraam as to lend someone money and ask more in return. Car house is a goods commodity . Sale price + profit= total sale or purchase value. Extra amount is profit if taken as lumpsum In mathematical terms you derive percentage of what extra you will pay on actual. Now you can call this interest or anyrhing but this is PROFIT.

[@hamzaaltaf9570]

Best comment which makes the argument very clear. Thank you

[@wardafaraz8939]

Wrong...totally wrong. May ALLAH correct you.

[@sajidkhalil9173]

Gamdi is a fitna bachoo es fitnay se baqwas kr raha ha

[@psychomaniac4591]

@@wardafaraz8939 What is right then?

[@SAhmed-mu6cb]

agree

[@DocumentingMoments]

Maybe that's how islamic banking works, but in the west, that's not how mortgage works

[@AliTunio]

He's got his facts and understanding between deen and conventional banking, real estate acquisition, mortgage securities totally twisted and misunderstood.

[@mamamia8511]

What bout the penalty on missing the payments..how's that gonna b justified if it's trade and not profiteering?

[@DesiAbroad555]

May Allah Give You Hidayat .... Please avoid banking

[@jasirkamal1056]

Bank khud usey interest income likhta ha aur hum rent bol bol k derhe han 🙈 Agr ownership meri hai toh rent q derha hu mein?

[@abdulghanisoomro4778]

Sir,what about the interest which is paid by banks in PLS account,is it sood/mortgage

[@rehanriaz620]

Haraam

[@altafahmedafridi]

it is Interest, so haram. the bank lends your money to others and collects interest and give you a share of that.

[@ilayatshah9079]

Wow Mashaallah very well explained

[@IxxxMnMxxxI]

I respect this man but beg to disagree..in UK banks ask for a deposit and then provide remaining amount as a loan (to buy house) with variable or fixed interest on loan money...unable to understand how this is not Riba? e.g. on 100k loan one might end up paying 140k back to bank.....

[@farooqahmad3147]

Not all Muslim scholars agree on what Ribah is. Riba is not interest but usary. Riba is exploitive. Please look up the definition of Riba.

[@humanityfirst8051]

You mean bank provide you the loan and should not charge you the rent for living in that house ? In other case if someone take house on mortgage and rent it out. Pay the rent which bank asking you as profit and keep remanning as your profit on share, that would be riba ?

[@Rayallwayz]

@@farooqahmad3147 interest on a house is usury. After I paid my house off. I paid triple the amount on interest what my house was worth the time I bought it.

[@Rayallwayz]

@Farooq Ahmad my house was worth only 46k more from the time I bought to the time I paid it off. You're just finding an excuse to pay interest.

[@imranshaik4068]

He is wrong, bank does not use our property, it just keeps our documents in form of security ! It is not a business. Bank clearly mention it as an interest !

[@greenberet1826]

Ghamidi sab ehtiat krein. Ap ko sun k agr koi gunehgar hoa to ap b hongay

[@farooqahmad3147]

The economic system of the 21st century is completely different from the economic system of the seventh century. Even in the seventh century rulings on Ribah were not clear (no matter what the saudi and pakistani funded websites tell you, i urge you to dig deeper). One of the chief reasons why Britishers were able to rule over South Asia for 200 years is because of their economic system. The world has certain physical laws and if you don't use these laws to your advantage than you will collectively loose every single time. There is a very clear winner when it comes to economic success and it is always easy access to credit. Without it the economies don't grow. There is no evidence of any other economic system ever winning over a system where easy access to credit(loans) is available. I don't know if interest is permissible or not but there is a disagreement of scholars on it's permissibility and Allah SWT knows best.

[@wardafaraz8939]

Bro forget about Economic systems, the lord who made this world and universe declared interest as Haram n forbidden. So we must avoid it and trust Almighty.

[@farooqahmad3147]

@@wardafaraz8939 If you say that something is haram when it is halal then you are also sinful. As i mentioned the scholars disagreed on what Ribba is. Is it interest? Is it usuary? I personally avoid taking interest as best as i can, but I am not a hypocrite who is willing to say that something is completely forbidden when it is unclear and scholars have difference of opinion on this...

[@jivaji2028]

@@farooqahmad3147 Cam you please post here some examples of those differences? What do you mean? I dont understand what Ghamidi is saying, to bad no English translation

[@farooqahmad3147]

@@jivaji2028 Usuary is excessive interest. Very similar to what a loan shark (pay day loan) charges to take advantage of the poor.

[@farooqahmad3147]

Also, Just to be clear this is not what Ghamidi is saying. Ghamidi see both Usuary and interest to be the same. He is saying that Riba is only on things that are consumable like if you want to get some loan to get a venue for your duaghter's wedding. On things that are not consumed like getting a car/house taking a loan is not riba. I am loosely translating it. My point was to research different opinions on this before you make up your mind on this very important topic.. The certainty that some scholars have on topic is'nt there and even Sahaba were not 100% on what exactly is Riba like Umar RA mentioend that I wish that Prophet (PBUH) clarified what exactly is Riba... This is why there are differences in opinion on this topic.

[@theemperor2506]

*Astaghfirullaah* But those who take usury will rise up on the Day of Resurrection like someone tormented by Satan’s touch. That is because they say, ‘Trade and usury are the same,’ Surah Baqarah Surah : 2 Aayat : 275

[@aadaab4930]

Lekin sir hm asal qeemat se zyada dete hain Jo interest k taur pr hmse li jati h.

[@fehmequranwithgrammar]

strange we buy the house by taking money from a bank and the bank who ask extra 1lac or 2 lac dollars above the current amount so is not that interest why are you changing and twisting the concept?

[@psychomaniac4591]

We do not "buy" - the bank buys for us. Then it keeps the original documentation for the property with themselves - and you are basically paying the bank back for these original documentation. The amount you pay back will be extra since you are also staying in that property. Islamic banks call it as rent, conventional banks call it as interest. It is the same thing.

[@stevedyson9926]

He got it all wrong, he doesn't have much knowledge how mortgage works. You don't become the owner of the property while paying mortgage back to bank, two parties are involved in this but you have to bear all the cost of maintaining house which is not allowed. Muslims are not obliged to take loan and they are not being forced to take it either. Shelter mean roof over your head which can be achieved by paying rent. Allah has declared war against those who are involved in riba which is worst than zina.

[@synhope3746]

That is what he said it. You dont become owner. You are renting the place unless it is paid. That is what he said.

[@farooqahmad3147]

It is not worse than zinna. That hadith is weak. Is it possible that you are misinformed and there is a difference of opinion on what Al-Riba is among scholars...

[@tamzidhamim1626]

Prophet (SA) said that even the witnesses of a Riba based loan are as guilty as the lender. Lets use our common sense. If a prostitute wants to sell her body , she could not sell it until someone purchases. Thus it would require a buyer and a seller of a Haram thing for that sin to take place. Money lending is Haram , but the sin to take place there is a need of a borrower who agreed to pay interest. So, paying interest is haaram and prophet Muhammad (SA) clarified it with a sahih hadith. Misguided Javed Ghamidi said that Riba is not taken place if you take money on Riba (!) and spend it on a "usable product" . This is exactly the same concept of Halal Pork. The Riba means paying access of the borrowed money even if $1.00 more. If you agreed to that then you are involved in riba. Riba is all about the terms and condition of the loan contract. Borrowing money is not Haram. But if one pays more then the borrowed money then it is haaram. Misguided Javed Ghamidi is manufacturing his own definition of Riba to comfort secular mindset who long for justification for taking mortgage. Alway remember, terminalogy and contract is extremely important in Islam. A cow if slaughtered in the name of ALLAH(SWT) is halal. But if the same cow is slaughtered in the name of something else it becomes absolutely Haram for Muslims to eat. Same cow , same slaughtering process but just uttering a name , violating a command makes it haaram. Similarly , the concept of Riba is paying access of the loan amount which is prohibited by ALLAH (SWT) which is commanded haarm. In all scenario whether you buy house, food, or car. May ALLAH (SWT) save those who are following this misguided person and May ALLAH (SWT) give Mr Javed Ghamidi hedaya

[@umarfarooq7030]

Ameen great answer

[@LawlessRaafay]

Usable and dissolvable ki logic I go by him.

[@classock3264]

He just want to stand out of the crowd. Most views of this guy are absolutely wrong. He needs to educate himself.

[@dabizness6662]

Noooooo - ah, so wrong! This reasoning you can apply to anything and there is no riba in the world. Eg borrow 10K for daughter shaadi and have to pay back 12K and say 2K is me sub-letting the shaadi hall to you 😄 come on people, islam is simple, stay away from riba based loan mortgage. Stay away and be patient until Allah enriches you enough to one day slap down the 💰 full payment. InshaAllah.

[@hanikhan9192]

Absolutely brother farooq riba is haram according to Quraan n there is no way in between Mr ghamidi is misguiding umma

[@sadiabi2022]

Yes believe a random guy on youtube comments rather than a scholar of islam

[@MuhammadAnnas-ew7rk]

Yes right. And making house is not mandatory then why people need to take loan/mortgage? Also wedding is very simple in islam so the problem starts when people become involved in worldly life then they seek and tempered with religion according to the method seems fit to them. Thats how jews and christian tempered with Torah and Gospel. Now some scholar trying to do the same with Quran.

[@MQureshi1]

Please please please study the definition of Riba. Stop commenting before you read.

[@zeeshan5k]

He has a problem of jumping to conclusions based on his misinterpretation. He mentions that mortgage is rent+value of house whereas in the west they have a clear profit rate mentioned without telling you that it is rent plus value. He jumped to this convenient conclusion eventhough it's not true.

[@altafahmedafridi]

He stresses on Consumable and non- consumable, for example if you take money, you can consume it whole or part of it, and it cannot be rented out. so it is not allowed. but when you take a House or Car, it is not consumable, rather rentable. so the Islamic mortgage if designed is such a way that since you have not paid yet full amount and you are using the property, so you pay rent till you fully pay. in this case, and also, the bank buys the property on your behalf and sells to you with terms of rent till you pay full. in this case this is not interest and is allowed. in non Islamic countries, if Islamic mortgage is available is better to use.

[@muhammadkhurram655]

@@altafahmedafridi That doesn't hold true in commercial mortgages. For whenever you fail to pay an installment they accrue their interest. So, it's interest based.

[@attajan7752]

Clever guy, not sure how much has been paid by the banks. He should NOT say "Alahamdo Lillah", he should rather say الحمد لبنوک الطاغوت و سلام علی مدیر البنک الیہود و انا غامدی مع لسان طالی احل للمسلمین الباکستان ربا

[@synhope3746]

10 million dollars.

[@attajan7752]

You should think: 100 times before you misguide people. Banks are organised bodies who are NOT individuals. Secondly, you fail to comprehend Mr Ghamdi that the wording used in all such contract is interest and it is regardless how soft you make your stance for some worldly benefit. Thirdly, when you say that they have transferred the ownership rights to you, then what the hell are they charging the “karaya” for? Please educate yourself and please look at this matter from another angle. An organised body with lots of money from people, the custodian of such money, which is NOT his [Bank’s] money, is buying this car or house for you, [using the money of other people] and by playing the game of consumable and non-consumable [ in your way of expression] exploiting the people. Islam is against exploitation and you, I am sorry are party to it.

[@synhope3746]

The problem is we cannot disgree with respect. Except for personal attacks we are GOOD FOR NOTHING.

[@shoaibhaq8680]

Syn Hope I'm sorry but he did disagreed with ghamdi sahab respectfully enough... And it's true mr. Ghamdi should educate himself about international monetary economics before he intends to give fatwa on it

[@yousufshariff7769]

سورۃ مريم آیت نمبر 95 Ghamdi Saheb...please don't misguide people for the sake of Allah...you are not the only scholar... وَكُلُّهُمۡ اٰتِيۡهِ يَوۡمَ الۡقِيٰمَةِ فَرۡدًا‏ ۞ ترجمہ: اور قیامت کے دن میں سے ایک ایک شخص اس کے پاس اکیلا آئے گا۔ القرآن - سورۃ نمبر 10 يونس آیت نمبر 17 فَمَنۡ اَظۡلَمُ مِمَّنِ افۡتَـرٰى عَلَى اللّٰهِ كَذِبًا اَوۡ كَذَّبَ بِاٰيٰتِهٖ ؕ اِنَّهٗ لَا يُفۡلِحُ الۡمُجۡرِمُوۡنَ‏ ۞ ترجمہ: پھر اس شخص سے بڑا ظالم کون ہوگا جو اللہ پر جھوٹ بہتان باندھے، یا اس کی آیتوں کو جھٹلائے ؟ یقین رکھو کہ مجرم لوگ فلاح نہیں پاتے۔” This riba-based transaction is not permissible either in Muslim countries or non-Muslim countries; it is not permissible in order to acquire houses or stores. Some contemporary scholars have permitted this riba-based transaction if it is in a non-Muslim country and it is done in order to acquire a house in which to live. This permission is attributed to the Hanafi madhhab, and some evidence is quoted for it. But many scholars have challenged this fatwa , including Shaykh Salah as-Saawi (may Allah preserve him) in his book Waqafat Hadiah ma‘a Fatwa Ibahat al-Qurud al-Ribawiyyah li Tamwil Shira al-Masakin fi’l-Mujtama‘at al-Gharbiyyah.

[@synhope3746]

He never said Riba is halal. He never said Riba is OK. We muslims tend to start our argument as some conspiracy theories. The problem is we lose our focus when we carry the luggage of some world banking conspiracy theories. The whole argument is whether the interest is RIBA or not. That is the argument. What I have seen at the bottom is no more than personal attacks.

[@touseefrehman6725]

Ghamdi sab mortgage ko samjay hi nahi hain. Pehli baat ye hay keh aap ko loan deta hain kharid wo farokht nahi karta dosri baat ye hay keh mortgage may wo rent nahi letay intrest letay hain. To ghamdi sab ke apnay batayay howay concept kay mutabiq bhi mortgage sud hay or haram hain.

[@atifbutt935]

Totally illogical. He needs to be educated how mortgage system essentially works in this part of the work.

[@sadiabi2022]

I think you need to be educated on the historical meaning of riba

[@1400740]

Makes sense, compared to those ill-informed scholars who know nothing about economics and render mortgages as Haram. Allah knows the best.

[@arifazhar1953]

In Islam any change of state changes the application. If something is unclean that is water or product, if exposed to fire or heat and the state changes that thing becomes permissible. Like coal prior to becoming coal is haram and after burning coal ash is ok to clean products. This explanation of Ghamdi makes some sense to me but seek your information and not quote me please. When u take money out of bank in a state of cash like credit from bank and we are allowed to use it to our will which could be used for daily consumes or luxuries of life and we than have to return that money with surplus is a pure form of interest RIBA but Mortgate is where the bank buys the product for you and never gives you money and seeks money plus the value of the product in a future date. To me this may be not RIBA Thank you

[@MohammadKhan-ep2ud]

I'm very much impressed with ghamdi sb but in this matter HE IS WRONG...the mortgage agreement clEarly uses the word INTEREST..........PERIOD.

[@farooqahmad3147]

Ribah is not interest, Ribah is usury. There is a difference between Usury and Interest. Not saying that Ghamdi is right, but that you'r logic is incorrect for sure.

[@synhope3746]

USUARY IS HARAAM WHICH IS RIBA. Is the current banking interest is RIBA, I dont think so.

[@ludba100]

what r u doing gamdi sahib.whats the difference between consumable and usable.its same man.

[@csspreparation9243]

Apple, wheat, rice, dates, eg... Are consumable, house, furniture,car,mobile, eg,,,, are use able , that the difference bro

[@umarfarooq7030]

@@csspreparation9243 where in Qur'an majeed or hadith it says that sood is only on consumables not on useables don't make yourself fools

[@MuhammadAnnas-ew7rk]

This guy has been trying very hard to create his own fiqah for a very long time.

[@zubairsheikh6067]

why islam is sounding obsolete to me now how come islam has mention such a minimal details on interest im a poor person myself i take loan from friends or bank very often plz tell me what is my benefit if the table turn around and i have to loan some money to someone for a certain period of time coz if i dont ask for profit on that loan then whats in that for me to keep my money bounded for that period of time

[@mukaffamhabeeb3441]

As salaam alaykum. My brother how are you? Ask yourself weather you believe Allah and is messenger or not. If believe then you should submit your will to Allah. It’s mandatory on a believer that he should obey all the rules of Allah subhana wa tala. About interest or ribah, it clearly said in Quran and hadeeth that one should not involve in ribah, interest is, fixed % on capital or fixed income on capital is haram (not permissible). Fixed % on profit is halal ( permissible). Please do contact me if you have any question or doubt related to interest.

[@mukaffamhabeeb3441]

[e-mail]

[@synhope3746]

We should not misguide the people. You are misguiding. Where does Quran says interest is haraam. USUARY IS HARAAM THAT IS RIBAA. Where does Ghamidi Sahab is telling Riba is halal? Show me one statement. The whole argument is whether the current banking system is actually riba. Where is your argument. No evidence.

[@AK47NoFFicial]

Tauba Tauba...

[@atw007]

This person has no idea what he is talking about. May Allah save all muslims from people who misguide them.

[@arshadmohammed5534]

Not a convincing reply, bank revives the interest every 5 years based on prevailing interest in the market, this is absolutely against shariah. In Islam there cannot be 2 contracts within one contract similarly there are other set rules in financial transactions which unfortunately ghamidi sahab seems to be unaware of.

[@altafahmedafridi]

IF you rent, rent also changes on time intervals

[@arshadmohammed5534]

@@altafahmedafridi Yes but it is still rent, this is why you are calling it a rent on house and not a rent on the amount loaned. The house is owned by an owner and he can rent it or sell it, bank is not the owner and only loans us an amount for that house or whatever we qualify for. In case both look and feel same then Allah Says "That is because they (Jews) say: "Trade is like usury", but Allah hath permitted trade and forbidden usury."

[@cryptoworldnews1872]

You can fix your interest rates.

[@arshadmohammed5534]

@@cryptoworldnews1872 not throughout the entire contract term in most of the countries

[@sobia7328]

No where in mortgage document it says rent but only says interest. Ghamdi sahab what you say makes no sense.

[@synhope3746]

Nowhere in Quran document, it says interest but only Riba. Ghamidi is clearly stating riba is haraam. Since we press panic button too fast, we miss the real point. Where does he says RIBA IS HALAL? Show me one word where he says Riba is halal. The argument is the current banking system is riba or not! That is the argument. Since we have amazing opinions about world banking system, conspiracy theories, we do not want to hear a logical explanation that the current banking system may not be the same riba as before. You don't have to agree with him, but analyzing carefully is worth.

[@mahokhan9122]

The news paper Pakistan The MAREEKH'SCI AL Lah Son 🌹 GEO'SON Media's UNO World'Sc1 GM SON ❤️ OF 9 GOD

[@mohamadfaisal5842]

Excellent answer

[@wardadar5270]

بات کو گھمُاپھرا کر اللہ سے بغاوت کا کُھلا اعلان کر رہا ہے

[@mohdsaleemsiddiqui2732]

Isko kahte h safed jhoot,inko kuch nhi pta

[@Amaaaaan1]

Soon this man will find a way to declare that zinna is halal.

[@synhope3746]

Really? Are you a nujoomi. Muslims have developed a habit of personal attacks since we are declined people. the part of that decline is we lost our aqlaaq and morals. You are an example of it.

[@shaban5139]

ok this guy has absolutely no idea how mortgage works. This person is a living proof of , “little knowledge is dangerous”.

[@arshad25]

Please get yourself corrected Ghamdi Sahib.

[@classock3264]

Mr Ghamdi can manipulate his answers based on the audience interest. I am sorry to say but his philosophy does not make sense in any shape or form. I doubt his only motto is to engage people for his popularity.

[@AlMawridHind]

Please check out : kzbin.info/www/bejne/fZ7Xo3Rnar6SiK8

[@synhope3746]

The problem is we cannot disagree with respect. That is our problem. Every word you said is judgemental without providing any details.

[@classock3264]

Syn Hope inshallah in the day of judgement we will stand in front of each other. You have been reminded and job is done. Carry on indulging in interest and inshallah you will face the consequences. And let all the servants face all the difficulties for the love of Allah .

[@almasyafai9487]

People like him has done more damage to Islam then Enemies of Islam. Astaqfurrulla.....

[@jivaji2028]

Wah wah, toba toba..

[@shaikharif19]

sorry sir but you don't make sense. you made me feel i could get a house i want so i could get any car i want. if bank doesn't change the word intrest then how can i chanhed my believe to be convinced

[@noon1117]

I hope this article convinces you: shaykhatabekshukurov.com/2016/07/22/scholars-declared-mortgages-to-be-interest-and-forbidden-making-it-impossible-for-muslims-to-own-their-own-home-but-they-couldnt-prove-it/

[@shujathmohiuddin264]

Ghamidi - mortgage halal, zina halal, clean shave halal...lol

[@rocketshoot3027]

Aap jhoot bol rahe hain yeh bhi halal

[@shakirsiddiqui7266]

Quraan padhho samjhh ke, bhai, sirf Hadeeso ko deen maankr chalne wale Quraan ko samjhhe, usme sab kuchh likha hai, aasan hai, Par bina Allah se duwa ke aap samjhh nahi sakte.

[@righthomes8926]

Absolute nonsense - he needs re check his knowledge or back to studying Islamic finance

[@ghulamkhaliq3463]

Is this kazzab (la-natt Allah) still alive?

[@sheheryardar4576]

Do not listen to this guy. Interest is 100% haram. Person who takes, gives, witnesses and writes the contract. All four are equally sinful. Do not listen to him...astaghfirullah. Buying anything on interest is haram. Cars, house, food, machinery, gifts, personal loans or whatever else you can think of. No matter what. Interest is HARAM. This guy does not make sense. This is a sign of end of times. People will make so many different opinions to get around it. Which itself is sinful. You will always find people around you like that.

[@abdulshahid5726]

Mortgage is 100% haram.

[@sobeeya]

gool matool jawab dia hai tumny. bank ko 2 3 installment na do wo intrest thokta hai or ghar b chinn lata hai. youtube py sab molvi kah ry haram hai ak tum kah ry halal hai.

[@yagaboy756]

Sobeeya Butt ghamdi sahab ka jawab ghalat ho ya sahi ye to mujhe nahi pata magar itna zarur malum hai ke jab khud se bade shaqs se mukhatib hon jo aapse umr mai bhi aur ilm mai bhi bda ho to use tum se nahi aap se mukhatabi karty hain

[@farooqahmad3147]

There is a difference of opinion among scholars on this topic. Ghamdi is not the only one who says that this is permisable.

[@khalidaztech]

He is not at all alim. He is jahil

[@safzal107ify]

GHAMDI U R WRONG

[@synhope3746]

How?

[@mohsinkhan-pn4mx]

Aqeede se..

[@mansoorahmed4684]

He dosen't just have knowledge on mortgage he dosen't have proper knowledge about islam such a misguided and a misguiding man

[@farhadsattari]

Don't listen to this man ,let alone asking fatwa

[@faizfaiz1811]

Bank se paisa khake ap haram ko halaal kar rahe ho ap allaha ki lannnt ho ap par

[@fakhrkhan674]

Shetan hain

[@synhope3746]

Yeh jawab hai aaapka!

[@yousufshariff5676]

Ghamdi sahab....seek forgiveness from Allah and stop your advises to innocent/ignorant people....you know very well that you are accountable on the day of judgement....pls stop this dajjali fitna....

[@synhope3746]

Since you are a victim of concept of dajjal, dont try to attack somebody without proper counter arguments. What is your daleel except foolish rhetorics.

[@syedizhar786]

Lakh de lanat

[@billjav2124]

man of hellfire