Our BIGGEST Decision about BUYING FIRST HOME IN CANADA 2024🏠 - Life Update (No Clickbait)

Our BIGGEST Decision about BUYING FIRST HOME IN CANADA 2024🏠 - Life Update (No Clickbait)
I'm excited about today's video as we share our Biggest decision so far about buying our first home in Canada. Many immigrants from Pakistan and India immigrate here with a dream to buy their first home here. We were not any different when we landed back in 2022. But now, we no longer want to become a homeowner in Canada if we buy a home on mortgage. Find out why and watch full Podcast :)
#podcast #discussion #firsthomeowners #firsthome #housetour #homebuyers #islam #mortgage
Timeline:
00:00 Highlights
02:51 Introduction
03:53 Canada's housing Market
05:46 Buying a home as Muslim
07:08 Our dream of being a homeowner
09:27 Paid off Credit cards
13:00 Why everyone wants to own a home
17:04 Our research after coming to Canada
20:38 Performing Umrah
25:57 What has started changing?
28:40 What is prohibited?
30:49 Wrong Decision of moving to Calgary
32:09 Update
32:37 Reality of buying home on mortgage
33:49 Quran and Hadith
37:43 Getting Hidayah
40:02 No one owns a house on mortgage
41:15 How Ramadan changed us?
42:41 Major Sin
43:25 Concept of Interest and its problems
46:12 Halal way of buying a house
48:06 Shariah loan in Pakistan
50:35 Is it worth taking the risk?
52:43 We gets criticism
56:24 When we die
58:42 How social media influence us
01:01:00 Gradual decision making
01:03:00 Finishing
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We’re young family living in Toronto, Canada 🇨🇦 Migrate from Sydney Australia 🇦🇺 and Originally from Pakistan 🇵🇰
We love sharing our daily struggles, entertainment and different aspects of our life back in Australia and as new immigrant in Canada.
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[@22682]

Salam bahi you need guts to make video on this topic I don't know how many hate comments you will get 😢 , I am sure within 2 to 3 years you will have your own home without mortgage it is possible in Canada why to buy big home, we can get small 2 or 3 rooms condo in 1.5 to 2 lac aram say and by the way the I am the same larka from k.s.a l send you the long detail email 😊 thank you for your reply vlog, love you Asar bahi and bhabi keep up the good work and trust me you will not regret for a single minute for not buying home on interest I live in ksa for 6 year here also i paid around CAD 70000 in 5 years on rent so what dil ka sakoon hai bahii Alhamdulillah wasay here we are not allowed too buy anyways lolz 😅

[@asharsanavlogscanada5211]

Thank you so much for those details and yes I do stick with my thoughts… rest everyone’s choice 😊

[@adeelahmad7029]

Very very very nice vlog mashallah...really appreciated.. Allah hm sb ko hdayat dai or hmare gunah maaf frmaye aameen

[@foxtemp]

ALLAH aap ko hidayat ki taraf mazeed barhai. Donot worry about people reaction and comments. jazakALLAHu khair.

[@farrukhharoon7966]

Very good decision ALLAH will you more opportunities inshallah

[@shazshaz3142]

It's very enlightening video.. May Allah continue to guide us all and keep us on straight path..

[@irsaahmd2773]

MashaAllah. Great video

[@osmanhasan7559]

Guys, whenver the debate of Riba/interest is discussed. I've few questions. 1. In Pakistan (Islamic country), the interest rate is way higher than the western countries. pick a category, house, car on lease, personal loans etc. but here despite Islamic banking exists, still the % rate is v high, if u want to lease car, the current interest rate is 25-29% In US (non Islamic country). you can lease a car on 1.5% rate. 2. the return which banks give to customers, how can somebody make sure in Islamic country, it was not earned on a non halal stream of income? Most banks don't declare how they are distributing the dividends. What my understanding is that interest is present in somehow any possible way in our lives and unfortunately, in Pakistan its more rampant which most people don't realize.

[@ayshaagha8598]

Taking credits on credit cards, taking child benefits, is also interest and that not increase barakah

[@_stopclone_]

How innocent hearts you both have .i really appreciate your efforts to keep on the right path.❤

[@EshiVlogs]

MashaAllah great Sharing

[@maryamamin6879]

MashaALLAH keep it up ALLAH Pak barkat de Ameen SumAmeen

[@virbone7141]

AoA, congratulations on performing Umrah, I am Baba Sufi... Sana I am happy that your feeling for NAAHT ! I feel your voice is in hiscalling pitches please do something pn Reciting Naaht of your choice... I am sure a day see you one of great Naaht Reciter ,,,,

[@afsheen4952]

Sana and Ashar bhai, I used to watch your video from Australia and was really happy that you got Canadian PR. It's a coincidence that me and my husband has decided the same thing to not buy a house on mortgage around same time Alhumdolillah. Masha Allah such a good decision, may Allah keep you and all of us steadfast and give us hidayah. Ameen. Keep it up

[@user-xv6vb2so9i]

Ap log ab low income families homeless scheme mai apply Ker lou😊

[@anzarzaidi]

You mentioned that you had credit card loans in Australia, wondering why you got into credit card loans and do not want a mortgage.

[@sumeranosheen]

How about purposefully not attempting job and seek maximum government allowances? Whats your Shirya law against a lie?

[@khask7]

That's the right 😂...

[@SS-sv4gg]

Lol true.. child benefit is also based on interest

[@5fzami]

Bhai I am living in the UK for the last 23 years and Alhamdulillah with good job. And still living on rent. Saved a lot but not enough. But inshaAllah soon I will. And you are definitely not the only person, I know many, may Allah guide us all and keep us on the straight path. Sab dhara reh jaiga jab laad chalayga banjara...

[@Yousuf_86]

Ignore the haters and keep doing good stuff. ❤

[@Rajahunk1313]

Jija g how much is the microphone???

[@JunctionHack]

Mu'awiyah (May Allah be pleased with him) reported: The Messenger of Allah said, "When Allah wishes good for someone, He bestows upon him the understanding of Deen." [Al-Bukhari and Muslim].

[@TheBecon69]

Ma Sha Allah. Happy to know about your bold, clear and focused decision. May Almighty Allah S.W.T grant Hadaya to all of us. Ameen.

[@Roohishahnaz]

Ma shaa ALLAH! I m happy that you discussed this very very important masela of Muslims,if Canadian government taking it seriously it will solve the Muslims problem, hat's off to Canadian government.

[@Roohishahnaz]

Yes u people are right,my sister ( lives in Florida) told me that majority of Muslim s spend their whole life in rented houses because of this .

[@kiransualheen2725]

Hmara b yehi irada hy we got our Australian pR but hm ny b mortgage py nae lyna ghr baki Allah kareem hy wo behtareen karsaaz hy

[@asharsanavlogscanada5211]

MashaAllah

[@tariqiftikhar8895]

Salam Asher bhai! Big thumbs up!!!👍🏼👍🏼 Well done and great video! Absolutely no need to be shy or feel like what other people think about you when you stand for ALLAH and truth. For the same reason I am unable to buy the house in Canada, but I have an idea, you, I and couple of other like minded people we can pool in money and buy house on cash with shared ownership. I am up for that if you are interested.

[@faizatahir2172]

Hats off to you ❤

[@tahamustafa]

Thank you very much for highlighting this very important issue… now a followup question. My children are getting Canada child benefit (CCB) and for sure the Canadian government is paying us from the ‘sood’ earned on its investments. Now should decline that, or is there any way we can get a fatwa on that???

[@asharsanavlogscanada5211]

As we said in the video we are student in this topic but you should not directly engage in Sood stuff, better get a Fatwa

[@Jimshady77]

Grants are allowed: kzbin.info/www/bejne/fGapaJisrt55qK8si=vpsU5-RJCTlyWJsX

[@Future.Canadians]

Jazakallah Ashar & Sana

[@sameenaamir7826]

Very nice and informative vlog , no doubt riba is haram in Islam

[@HuffyZeen]

Islamic financing is mixed with regular banking - Islamic banks have loans taken from unIslamic banks - so the root is again not halal. I’ve heard they are starting Islamic banking in Canada as well, haven’t researched into it but read this headline somewhere. But to me, there’s nothing different between regular and Islamic banks - Islamic Bank is just like a fatwa, or a green signal to let you go do what is forbidden. Yeh woh zamana hai jisme aap kitni koshish Karo halal kamanay ki, utna hi mushkil hai. One thing leads to another and in the end you realize your source wasn’t halal.

[@asharsanavlogscanada5211]

I appreciate your feedback on this 😊

[@Jimshady77]

You are right only to an extent. There are no islamic banks in Canada or if they are their source is also interest based. However, proper islamic banks in Middle east (KSA, etc) provide Murahaba (for e.g) loans which is shariah approved and has no interest.

[@faaizabbasi5440]

I'm the first ♥️🥇🏆🥇❤ lots of love and respect for you guys and thanks for adding chapter's ❤

[@asharsanavlogscanada5211]

Yup chapters would def help Faaiz 😊

[@sanaasim5031]

Wat a superb vlog bhaut jazakAllah ❤❤

[@Selene_eats_crystals]

Any kind of interest is haram. Thank you so much for this discussion.

[@foodiesclinic846]

Glad to know about your decision. KIBOR is also interest rate for inter-bank lending (from one bank to another).

[@AsadKhan-nk3dd]

Very inspiring. All the best to both of you. May Allah bless you with the best 🙏. Ameen

[@lifewitharzoo1786]

Bhai kibor ko bhi ap ne islamic kr dia Allah ap ko mazerd hidayat de 😂😂😂

[@bilalahmed6840]

Please don't focus on negative comments!! You guys are going in the right direction. More power to you guys!!

[@jawwad126]

great job stating facts.. also all the besharams on mortgage have resorted to personal attacks..such a shame!

[@AtifKhan-tg1yp]

Hi am from Pakistan your vlogs are so good Allah aapke kam mein barkat dale

[@mohammedsheikh9479]

If you decided to buy a house buy it before June,

[@anj1134]

You guys can consult islamic finance companies for future planning

[@YousafCricketvlogs]

MashAllah! May Allah keep you both steadfast on your decision and give us strength to follow this path too.

[@Truthful007]

Hi Ashar n Sana, Good attempt! It's a delicate matter. In my view, the concept of Riba isn't adequately clarified by many scholars, leading to division within the Muslim community. Further research, thoughtful arguments, and relevance to contemporary circumstances are necessary to address this issue comprehensively.

[@Moonlight-SRC]

I don't know about Islamic banking/ mortgage but if you are leaving something for the Allah swt. HE will bless you with something bigger and more beautiful.

[@saqibkaleem9764]

Buddy you should come to Kitchener Waterloo . I live here I love this city . It’s super cheap and houses are much cheaper . A lots of condos choices as well. Three universities hence a lot of opportunities here

[@mango3421]

At least make your older videos where Sana is not doing Hijab, private. What about Parda ayats in Quran. You skipped them.

[@Ronnieronson]

🤡

[@shakirkhan1561]

MashAllah bohat achi baatein ki hai Insan ko Insan ki galtiyo se seekhna chahiye, ajj aap ki ye video dekh k mujhy bhi kafi baato ki samjh aie hai, thank you once again for sharing your life experience ❤

[@Sahilkhan98877]

Assalamu alaikum, this video is such an eye opening video for me being an international student we always get influenced by our surroundings and buying a home in Canada is a priority of almost all the immigrants. This video shows that you are not just influencers but Muslim as well who will not compromise with their deen no matter what. May Allah give more barakah to your lives and make your iman more stronger. Thanks a lot for making this video.

[@asharsanavlogscanada5211]

Thank you for kind words Sahil

[@AafreenPuthawala-px6sc]

Salam From Guildford Your ex neighbouring building Subhanallah….so happy to see you guys go in the right direction….May Allah swt protect your family❤

[@khurramirfan6011]

Hello, how are you? My name is Khurram, and I am from New Zealand. I was just wondering what halal mortgage starting in Canada, according to PM announcements.

[@1unknown_user1]

Yes. Halaal Whiskey, Halaal Vodka, Halaal Rum aur Halaal Pork bhi ab milega Canada mein.

[@khurramirfan6011]

@@1unknown_user1 go and search what Canadian PM announced today rather than showing your chootiyapay ki logic napaak Hindu jaa kar gai ka moth pio jo tumhari taqdeer hai

[@asharsanavlogscanada5211]

Yes Khurram, we’re planning a video soon

[@ghayasnoman2715]

Very informative vlog and thank you ashar bhai for explaining the facts

[@MohammadAli-fz9iu]

Hats off to you gyz. Love from Bangladesh

[@HafsaAbid-pv1ws]

Ma shaa ALLAH! Right decision.

[@azeem8100]

This video is really good and an eye opener. My question is that when you're paying rent, isn't that rent money paying the landlord's mortgage indirectly? 🤔 Something to think about.

[@asharsanavlogscanada5211]

Maybe our landlord already paid off its debt, or bought the house on cash.. None of our business.

[@Rajahunk1313]

Jija g job kab karoge..ki preaching hi karega😢😢😢😢

[@sadianasir248]

I m Canadian citizen since 2008 and I had the same story. I was planning/ thinking about buying house than during my search one of my friends said you can buy only one house that is no issue at all. I am trying to get help for everything from Quran /hadis and didn’t find any permission for buying one home on interest from bank. Since than I m living in Toronto on rent. Let me tell you all my family friends and everyone make a fun of me said those who cannot afford or those who have no credit rating make some layman excuses to not to buy home while actually they cannot afford. Only few people knew that I used to work in bell and metro.ca head office had handsome salary. My conclusion is think about your grave forget everyone else and take each step in your life like you’re standing in court and you have to justify your each and every step why did you do that? Here if nobody asked you than obviously after death life you will be answerable.

[@sherensharif6272]

Mashaallah mashaallah mashaallah. Bohot bohot Mubarak ho❤ namaz awor quaraan k tilawat k liye 😊🎉🎉🎉🎉🎉🎉🎉

[@shahjeeeeeeeeeeee562]

Mashallah beloved brother and sister. May Allah reward you for sharing and highlighting very important topic. Loan is Haram doesn’t matter what.

[@aqsabakhtiar6824]

Great 👍

[@user-xv6vb2so9i]

Gahar kaha se ley paise bhi nai hai😅

[@faisalsiddiqui1363]

May Allah bless you both for having this discussion and the way you are trying to follow the Islam as it’s required to be followed. Rizq is from Allah; you will get whatever is bound for you in a way or other. We have to decide how do we want to get it, following the way of Quran and Sunnah or otherwise, the rewards in Akhira are all based on our decisions. Very enlightening video on this topic! Jazak Allah!

[@user-xv6vb2so9i]

One point to note guys you can still buy a house on cash basis or interest free loan.😊

[@mishaalzk6033]

Cash basis!??? U have to be a millionaire or have black money from back home for that 😂

[@Az-rj8xz]

Sood is haram in Islam . App Sood lo or kaho app ki marzi .

[@Jimshady77]

Cash basis is doable- I did it... Or rent...whats wrong with renting? Its better than a war waged by the Prophet (pbuh) and Allah for taking interest.

[@simozik72]

Right decision,,,,Love you guys!!!!🎉❤🎉

[@simozik72]

there is no point to stay in Calgary then.....better to move Vancouver,,,,,winter is not hard....and a lots of opportunities for vlogger

[@afride33]

Salam brother I don’ understand that why you discussing your internal family matters on social media if you don’t like to buy don’t buy It no one is forcing you don’t understand your point? Stay safe GOD blues you respect for your family

[@mohammedsheikh9479]

Or Proceed to Malaysia there you can get Halal House Buying Products through Banks, because from UK many people are moving there because of this facility. How ever the Fatwa is existing that you can buy first house in which you can live on mortgage.

[@quickandeasyfood6519]

MashaAllah u have positive thinking

[@syediqbalimam7218]

Showing your wife to the whole world to make money on KZbin is also Haram.

[@ahmadirshxd]

ashar bhai a lot of stupid people will critisize you for this beautifull podcast especially about the home talk and interest issues but don't worry they are here to prove you wrong just because they have done that sin and now they wanna cover up that. love you bro❤

[@Az-rj8xz]

Agreed

[@jamilai]

MashAllah, Thank you so much for making this video

[@MAAS1]

Dear Ashar Bhai & Sana Bhabi, Assalam O Alaikum, . Very Detailed & Informative Vlog, Well Apart From Some Negative & Personal Comments On This Specific Vlog, Which Was Expected....🤔🧐🤔🧐🤔🧐, U Have Made Your Points Clear In Depth. Best Of Luck For Your Future Endeavors.....Good Luck.....👍👍👍👍👍👍

[@sumeranosheen]

Now I get the idea why people stopped watching your vlogs. Following a religion is personal act and only for willingness of Allah. Don’t imposed your opinions on others like that. You guys have turned your vlogs to some other direction. Don’t buy house its okay but stop preaching Shriya laws and accusing others as sinners. Sana ka ye bolna k ye baat sirf Muslims he samj sakty hain is a big statement so others are non-muslims. wow

[@asharsanavlogscanada5211]

Thank you! Now you can stop watching too because it’s not in the direction you want us to take but hey, we wanna build a community here that resonates with us and not what we are not 😊

[@sumeranosheen]

@@asharsanavlogscanada5211 surely i will stop watching, just a suggestion you guys need to take proper study in this direction then pass on fatwa.

[@lionkhan6141]

@@asharsanavlogscanada5211 jahil log ... go to Kabul and live there... deeth ho tum dono

[@lifewitharzoo1786]

Agreed they r getting irritating day by day. No content

[@msajid834sm]

​@@sumeranosheento ap ko Kon sa Gali di ha uno NY just talking in Islam or Islam ha ya wqi hram ha ap ko ya to ni khy thy ka Islam ma a jaou gusa krny ki Kya bt ha is ma

[@user-he8wd8tu9p]

🕺 🕺 🎉🎉🌝🌎

[@Paramkaurawapal]

Sana ❤ u look so cute … while looking at Ashar 😊

[@Umar_808]

Hey! You made a big sin already by moving from Darul Islam (Pakistan) to Darul Harb (Canada/Australia) for worldly gains. In this podcast you definitely sound like some of my muslim friends who start looking for halal chicken right after drinking alcohol all night :) Anyways good luck, cheers!!!!!!!!!!!!!!!!!!!!!!!!

[@MrEg83]

Bhai aaj bara muskura rahey ho dono. Calm si muskurahat .. achi baat hai MashAllah

[@1unknown_user1]

Nahin bhai...muskurahat ki vajah hai Mulla Ashar ko kisine whiskey ke bottle di hai free mein.

[@rabiashafi6500]

I appreciate ur efforts n love ur thoughts 💓, being a Muslim I pray for both of ur n ur family well being n aafiyat But here's a clarification....There isn't mentioned in Quran that taking " ribah سود " is like doing zinna زنا with ur mother ....no above isn't mentioned in Quran...yes , it's mentioned in Quran that taking interest is like war with ALLAH TA'ALA n HIS Prophet

[@asharsanavlogscanada5211]

Not in Quran, but it’s a Hadith. Thanks for clarifying that

[@ShahidKhan-ff8yk]

In Dubai they are many Islamic Bank offerings loan for purchase of properties. You can find in Canada. The interest they charge is termed as profit on facility. Hope you can find facility from Islamic bank in Canada in Sha Allah

[@mohammedaffanahmed8832]

Many people are criticizing your decision to avoid buying a home on mortgage, even though it's a personal choice you value. 😕 They tend to support mortgage purchases, possibly out of jealousy or to justify their own decisions. 🤷 As a young couple living in Mississauga, Ontario, we also believe avoiding mortgages is wise and prefer renting and saving for a future home. 🏠💸🙏 Sometimes, it’s tempting to buy a home now, but we see renting and saving as a more prudent path. 🛤️💡

[@user-xv6vb2so9i]

🎉🎉🎉⛄⛄

[@ibrahimm2012]

Halal mortgage is available now . Please make a video about is it really halal or the same thing ????

[@Yousuf_86]

Very good message to people living here and buying homes on interest (Riba) ignoring Allah's wrath. May Allah keep you persistent and reward you for that. Appreciate it. 🇨🇦

[@junaidgul836]

Great decision, May Allah bless you all. Islam has its own economic system and Meezan bank operates on it and Mufti Taqi Usmani is the main person who developed that and supports their Islamic system. His model was copied by many banks which later launched their Islamic banking around the world… Dubai Islamic is one of them. Mufti Taqi Usmani is well known figure of Islam and his contribution towards Islam is unremarkable.

[@junaidgul836]

kzbin.info/www/bejne/rJTIdp2Kjr-Flcksi=VWwUfxhyK_TK0xcX

[@sadiaakhtar3559]

You should live in UAE its better.

[@HammadKhan-qq7fz]

ALOT OF JAHIL IN COMMENT SECTION! ASHAR SANA KEEP IT UP IGNORE THE NEGATIVE COMMENTS

[@asharsanavlogscanada5211]

Kya karen Musalman bhatak gaye hain! 😢

[@Princecoexia]

I have never liked your videos. But this video opened my eyes. You guys are really amazing. Hat’s off to you guys for making this video.

[@SNHCanada]

You rent car from credit card is also haram 😄

[@YousafCricketvlogs]

There’s no interest changed if you pay it off in time. Stop spreading disinformation

[@mahrukhqureshi1162]

Assalamalikum, bhai bhabi ap dono ne mashallah boht achi baat boli hy hum khud yaha us me ghar lena cha rahy thy kafi time se pr aik dm se hi bs me or mere husband is baat pr dr rahy thy k ye guna me ata hy or iski maafi nehi hy .abi 3 days pehle hi mere husband pata nehi onko kia ho gia bolte hy bs muje ghar lena hy me boht hi tension me thi k kia karun Allah ji ap hi batao to ye apki video aj muje nzr agai .nehi to me bs ye kehne lagi me kia karun husband lena chata hy to le khud hi azaab lage ga .ap hi k aik comments me aik ne bola k cash pr bhi le skte hy to kia hum us vale Canada me ghar le skte hy km peso vala ghar .please zarur video bana kr batana.

[@asharsanavlogscanada5211]

Mahrukh ap Canada mai cash pe ghar buy kar sakti ho but loan process is a major sin. Aur face chupana is not compulsory in Islam so don’t worry, I’m not leaving youtube anytime soon 😊

[@farhanrashid2117]

I see these guys give a lot of explanation.. on youtube you are showing your family it’s also haram..

[@aftabhaque5583]

❤❤❤❤❤❤❤

[@mandz8633]

I bought a house after 17 years but not in Calgary (17 in living in Calgary)house in red deer…appreciate you guys , you actually bought a house on cash do you know where , in Jannat….your unlimited life is cozy and comfortable 🎉

[@Noma8765]

👍👏👍

[@youandme2553]

Salam so true mashallah subhanallah ❤

[@262shiv]

Plz follow shariya law, and caliphate, read medina verses, and verses for non believrrs and idol worshippers...you have a duty ashar and sana...

[@rbsbirds5398]

Mairay pass bhi mortgage house hay london may, discussion at this point is no harm as it is true by Islam, Intrest is haram but question is how many million muslim would do who live abroad and already on mortgage, mughay to lagta hay hum sab ko pakistan chirna hi nahi cahye tha buhat mushkil hay qadam qadam per mushkil hay, ab kya may apnay disable bachay kay ko rent kay gharoo may lai ker ghoomon koi mughay bhi fatwa day... samjh nahi ata Allah hamay maaf karay....

[@user-xv6vb2so9i]

Rent pe raho sari life 😅😅

[@Az-rj8xz]

Asher bahi welldone good job sood Allaha or us ke rasool ke khilaf jang hai ye sare log apna sood kar rahe hai or app ko critize kar rahe . Ye app ka or Allaha ka mamlla hai . Jab app kisi ko sedhi bat karian tu isi tarha ke jawab milte hai . Jazak Allah. Keep it up .

[@user-pu5sh7bu5e]

Why you have to come with so many excuses for not buying a house. We all know you cannot afford it with government benefits.

[@mishaalzk6033]

hahahaha

[@SNHCanada]

I saw your last video u used credit card . I saw your wife with out hijab in u tube also haram . Without credit you can’t survive. App kay pass bhee credit card hay right?

[@mango3421]

The same Maulana you quoted for your mortgage decision also say that income from KZbin is Haram. Showing your wife in videos is Haram. Think about this as well.

[@lifewitharzoo1786]

Agreed point to ponder

[@SNHCanada]

Your comments based on truth .

[@rafaymuhammad344]

Bahee youtube kab se haram hogye, wo molnana khud youtube pe hn

[@mango3421]

@@rafaymuhammad344 To Bhai mortgage kab say haram ho Gaye? Interest is money against money, not money against goods.

[@Justanormalguy459]

​@@mango3421 bhai g who told you that money against goods is halal? Interest is interest and indulging in interest is war against ALLAH almighty

[@mansoorrangwala4710]

You are right. Riba is Haraam and Islamic Banking is controversial as you are paying as service charges.

[@asharsanavlogscanada5211]

Yep, need more research on Islamic Banking 😊