Been living in Australia for 8 years now. Always lived in a rented home, bought a used car with upfront payment and never had a credit card. All my friends have taken mortgages and they bought new cars on finance but Allah has given me Istiqamah to follow the rules of Quran and Sunnah, Alhamdulillah. May Allah protect us all.
@cryptoinfostar
Жыл бұрын
MashaAllah
@hira4847
Жыл бұрын
I am from Australia too struggling for buying a house but you can buy house only on mortgage and that's Haram
@junaidsheikh620
Жыл бұрын
Brother you will house in Jannah
@adeelpaki
Жыл бұрын
ameen ya rabbil alamaeen . me 20 years almost in usa can't buy a new car / house but Alhamdulillah happy
@azee6532
Жыл бұрын
Same brother Khurram. I have been living in Australia for 4 years and got to know that the only way to get your own house is to follow the bank loan process/mortgage. Same case, I want to avoid it as well. I also bought a second hand car when I was able to get it on finance. May Allah give is isteqamah.
@MUHAMMADALI-yw4ps
2 жыл бұрын
I m in overseas for 22 years now, living on rental, i have a current/cheque account for around 15-17 years, my bank can easliy give me loan according to my statement, sometimes it gets very hard, like the amount i pay for rental same amount can be bank’s monthly payment, and shaytaan attack so hard on that, but i always make dua to ALLAH that O ALLAH I AM PAYING RENT HERE ALTHOUGH I GOT OFFER FROM BANK TO BUY MY OWN HOUSE ON MORTGAGE, AS YOU MADE IT HARAM SO I LEAVE IT ON YOU TO MAKE ME A HOUSE IN JANNAH, AMEEN
@Believer1995ofGod
2 жыл бұрын
You’re just making the corporations rich. Btw those apt complex are built on riba money also.
@BluetekFREEGAMES
2 жыл бұрын
@@Believer1995ofGod so he needs to live on the streets? the landlord can charge you interest if you are delaying payment . he doesnt pay interest thats the most important thing , the apt maybe build on interest but what has that do with him.
@taniAli7281
2 жыл бұрын
MashAllah MashAllah
@UsmanSahar
2 жыл бұрын
mashaAllah
@rasmus4236
2 жыл бұрын
May your heart be at easy and full of bliss by the will of Allah. BarakahAllah for you kind and understanding choice. You give strength to those who feel alone in this world, mashaAllah :)
@rehanshaikh9559
Жыл бұрын
We are a family of 9 and lives in India.We have been living in a rental apartment for almost 20 years, we got home loan offers from bank so many time but my father rejected them,we also go through mental abuses from our relatives for living in a rental house but we didn’t reacted to them and now with the grace of Allah construction of our house is going on and that too without a single penny from loan,Alhamdulillah.
@marziamahgabin9488
Жыл бұрын
Alhamdulillah
@rikishi555
Жыл бұрын
These people don't know how banks work
@hinaali3232
Жыл бұрын
Alhamdulillah, please make dua for us to build a house of our own without loan
@hinaali3232
Жыл бұрын
@@rikishi555 dear it is very unsafe to buy house on loan cause most of people r in private job so future is totally uncertain . and if u skip 3 consecutive emi then bank will auction ur home with out ur permission . so best way to buy house without loan weather it is small one . and have peace of mind.
@rikishi555
Жыл бұрын
@@hinaali3232 yes, poor people don't know how to make money. They must stay poor. Never borrow. Always stay poor.
@salmanorakzai2843
2 жыл бұрын
I have been living in the west for 24 yrs. Almost all of my friends and family have bought houses on mortgage. I never did. Eventhough i was criticized that it is ok since we live here. Alhumdolillah, Allah protected me.I ask Allah to protect us all from this grave danger of Riba. Amin
@qavikhan06
2 жыл бұрын
May Allah SWT grant you all the success of this life and here after.
@salmanorakzai2843
2 жыл бұрын
Jazakallahukhair Br. May Allah grant you Jannah Amin
@beryalex1798
2 жыл бұрын
And riba is not fixed. And can couse you lose your home
@MH-vy9nb
2 жыл бұрын
Ameen
@engrusman2560
2 жыл бұрын
Ma Shaa Allah brother May Allah keep us on His path. Aameen
@sheikmelbheek
4 ай бұрын
I live in Canada for 7 years now. Rent is increasing year by year... I'm paying approx. $3K/month... There are so many people out there or imaam giving fatwa that it is permissible... STAY AWAY FROM IT brothers and sisters. Allah is giving barakah in my wealth, my job, my family... Though I don't have a home here in Canada but I'm happy and I'm not in WAR with Allah...
@entityarif8404
2 жыл бұрын
I grew up in the west from a very young age and we always rented and all of us became successful professionals. Now Allah enabled me to buy a house with full cash. My point is you have to follow the rules of Islam, interest based contracts are not permitted.
@FockewulfAz
Жыл бұрын
Same here. If you stay away from something that is prohibited by Allah and be patient, Allah will give you even more. Alhamdulillah! May Allah guide us.
@AtixTUBE
Жыл бұрын
The issue is you buyed the house with full cash upfront but YOU DON’T ACTUALLY OWN THE HOUSE! you are still a slave to the government and they own you. Just stop paying property taxes and watch what happens!! It’s a sad 😞 feeling brother
@Shaftalooooo
4 ай бұрын
Did you paid tax? 99.99% of Muslim friends don’t pay tax😂😂😂.
@50CenT123smoke
4 ай бұрын
@@Shaftaloooooif somebody is so committed to their religion that they’re willing to wait and wait and wait for the sake of their creator and to please Him, by not getting a mortgage and going the easy way. Why do you think that person will cheat the maker, let alone the govt. and evade tax? I’m sorry but it sounds senseless
@Shaftalooooo
4 ай бұрын
@@50CenT123smoke Conflict of interests, today many of my muslim friends evade tax, cheat the government, take advantage of government benefits. They think money going out of their wallet is Haram but coming into their wallet is okay. I’m originally from Afghanistan and surprised that tax evasion is very common among South East Asians and Africans.
@jeanbaptiste3470
2 жыл бұрын
Our Muslim brothers and sisters should take heed. Riba is forbidden. Rent for now. Combine resources with family. Invest and do good business for the next ten years. Allah will bless and increase, insha'Allah. Do not let Shaitan mislead you. Allah protect us .
@SaleemKhan-jb8dq
2 жыл бұрын
Taking interest is Haram, but buying a house by taking mortgage, here we are paying interest is it Haram too?
@CelestialTrailblazer
2 жыл бұрын
@@SaleemKhan-jb8dq Yes. Riba is one of the easiest way to get to hell.
@5k-fcr121
2 жыл бұрын
@@SaleemKhan-jb8dq taking or giving riba both are haram just as taking or giving bribe both are haram. signing any contract which has interest clause in it is haram. believe in Allah's guidance, and trust Him only. it may seem like a difficult choice but Allah knows what is best for us.
@DesignbyBK
2 жыл бұрын
Rent is also ribbah and haram. According to Quran, Allah says all the land and universes belongs to Allah. So how someone can share a fix percentage on house when its belong to Allah?
@jeanbaptiste3470
2 жыл бұрын
@@DesignbyBK by your logic nothing can be bought or sold
@floralhandshake6376
2 жыл бұрын
I live in a rented property in the UK and would pay much less for a mortgage than my rent. I've moved homes 4 times in the past 6 years, the most recent was due to a no fault eviction. I refuse to get a mortage though for the sake of Allah and I have seen so many blessings and barakah as a result alhamdulillah. I recommend using the money you would have put down as a house deposit to grow a business for the sake of Allah and just trust in Him. I pray I can buy a house one day outright without a loan inshaAllah.
@facilitator999
2 жыл бұрын
May Allah bless you.
@MrBigpappaT
Жыл бұрын
Ameen
@syedahmed5480
Жыл бұрын
Most Muslims will die without owning a house
@timatim295
Жыл бұрын
Ameen may Allah grant you the risq to buy a house cash with no interest
@everydayguy289
Жыл бұрын
but when you pay rent your paying for someone elses interest most house on rent are paid by interest repayments
@mikethetraveler
Жыл бұрын
I’ve been looking for this answer for years! I always could tell that it was wrong to be involved with mortgages, but in the west we are made to feel so crazy to even consider such a thing. Thank you for clarity. I will live like a traveler
@MM71017
9 ай бұрын
What’s your job dear brother?
@Nawabid
2 жыл бұрын
*I live in California, I pay 4k in rent I can buy the house and pay 3k in mortgage but I refuse too…*
@khaledh3365
2 жыл бұрын
May Allah reward you and us all brother
@truegod9619
2 жыл бұрын
Your house owner is having a mortgage.. You are helping him to pay his mortgage.. Stupid laws reminds old school jewish laws 😝😝😝. If you are in pakistan.. Do you know the foreign debt of pakistan...The prime minister still begging to west and taking debts and paying interest. The non interest system in islam is a hypocrisy...This is same as people can't consume pork but government can inject the whole Islamic country by a vaccine made from pig 🐖...
@halfvolley11
Жыл бұрын
Why don't you buy a small townhouse or a condo in outskirts of the city?
@metubeusercom
Жыл бұрын
subhanallah brother you are strong.
@Nawabid
Жыл бұрын
@@halfvolley11 so I can burn in hell??? No thanks.
@bobgame763
2 жыл бұрын
Some Mutawa in Bangladesh told my wife that taking interest is halal for some people till they are out of trouble such as poverty and etc. Astaghfirullah, I never admited and took any ribah. Alhamdulillah now we are much better than before.
@zunairahmed2560
2 жыл бұрын
Alhamdullillah brother! I'm very glad you didn't take ribbah! Alhamdullillah, Allah has guided you MashaAllah! 🌦️🤲🕊️
@bobgame763
2 жыл бұрын
@@zunairahmed2560 May ALLAH always keep us steadfast in our Deen.
@zunairahmed2560
2 жыл бұрын
@@bobgame763Allahumma Ameen! 🤲🕊🕊
@qavikhan06
2 жыл бұрын
May Allah SWT keep you steadfast on deen.
@mylittlecoop
3 ай бұрын
If Allah tests you it’s going to be hard but if we do something haram it’s not going to help the state we are in. May Allah forgive us all, we are weak! The mutawa is a fool not an Alim in the Islamic field, he’s Alim in shaytani field. Instead of giving you this advice he should have kept his mouth shut. Mullahs in Bangladesh and south east Asia are corrupt except for a few, a real one is hard to come by.
@TechDIYtips
Жыл бұрын
This is the realest thing I have heard about this subject. Living in Canada my whole life I noticed one thing, if you want to get buy a house you will actively look for anything that will support your purchase. To be honest we here forget what is hallal and Haram. We sometimes look for sheikhs to give us the wrong information. I purchased a property with a mortgage a number of years ago and sold it. Alhamdullilah I did. This is not a good way to buy a house, causes financial instability and makes you a slave to the banks. Rent for as long as needed and stay away from Haram. Thanks dr. For your honesty.
@abukhan2068
2 жыл бұрын
Wonderful question, wonderful answer. May Allah bless all of us.
@alvetalha7967
Жыл бұрын
Alhamdulliah for being such a lucky guy to see my favourite speaker after long from the childhood.Really miss this great man.
@lannylanny8362
Жыл бұрын
What a beautiful way to put it - your house in Jannah is more important. That nails it.
@easilyCoded
2 жыл бұрын
I’ve found out there’s a huge difference between usury and interest. Make a research and find out for yourself, but the thing is, Quran talks about riba, and the meaning of the word ‘riba’ is usury, which is quite different from interest. This is a very complex topic to be honest, but I’m sure there’s more to what is being explained in this video. I’m going to seek more knowledge.
@SELFMOTIVATION007
Жыл бұрын
Also, is it the person taking the interest out of need at fault or is the person lending the money at fault. I wonder. In Islam you can eat pork if it means surviving. I don't see why the same wouldn't apply here. On top of that, I don't believe in that statement that the Prophet said "if you take riba its worse than sleeping with your mother". This is why hadith is bad imo. People take whats in it like its the Quran. Sometimes putting hadith over the Quran with their ruling/beliefs.
@spiritualawakening2753
Жыл бұрын
How is interest different to usury
@thunderwt9921
Жыл бұрын
As Dr. Zakir told , ** Are you want to take risk to losing the the house of Jannah for the house in earth. ** We are travelers in earth for few days, and travelers stay in hotel (rent house). If you have cash money then it's different. ** If you have no ability at this moment & there is choice of halal or haram, like rent (halal) or mortgage (haram), you must chose the halal way. Because it's a test for you from Allah. "Surely, Allah is with those who are patient" Surah Baqarah :153 ** Either you take money from your capable Muslim brother without interest by lending, if you have that kind of brother or Save money for future And keep believing in Allah, So, that one day 'In Sha Allah' Allah will provide you. Of course Allah will provide to the believers. ** And most importantly, only believe in what Allah & our Rasul Muhammad (PBUH) says in Quran & Hadith. Avoid what others (new moderate so called Islamic scholar) says. If it's their personal opinion or group opinion, if it's against Quran & Sunnah , then it's avoidable. Because saitan is always want to misguided you by his minions & followers.
@asathelogiclaman637
Жыл бұрын
@@thunderwt9921 damm how do havr so much time to write thatr in a yt comment section?
@yousefyousef2635
Жыл бұрын
Rent is not cheaper anymore... Rent is actually more expensive than mortgage now in US.
@iffatnafees
2 жыл бұрын
Love ur reply Dr zskir naik ...house in jannah is more important and this house in this world
@yasminaslam8500
2 жыл бұрын
Alhamdu lillah. May Allah tha ala bless you shaikh Zakir and your entire family. After having to see your presence only,I felt so confident to speak about Islam and it's teaching openly. After that,I started to ponder over the alquran so immensely and I now have the ultimate compassion towards alquran. Alhamdu lillah.
@ayishasideeka8029
Жыл бұрын
Pls make dua for me sister
@techrepublik6551
Жыл бұрын
allhaaa is a false god...
@techrepublik6551
Жыл бұрын
@@vkrajuk these beggar bags don't have anything else to do but follow a false cult.
@dielbhagwat7358
Жыл бұрын
@@ayishasideeka8029 zakir madherchod is the biggest gay
@pioneer2321
2 жыл бұрын
It’s forbidden end off. The Quran is clear on this topic.
@eeshaadri7598
2 жыл бұрын
I asked this Question in your live session. It also applies to building a Mosques and buying land for Masjid. Also for muslims to establish in such countries and become strong. Someone posted this question to Mufti Tariq but I don't what his reply.
@FaizanulIslam-ww6ib
5 ай бұрын
Bought a car on mortgage until I got to know that paying interest is a sin too. I took out all my savings mutual fund, stocks, cash and retirement fund and closed the loan as fast as i could afford. Things changed just after an year and I got promoted, the new position comes with an option of company lease car. Now I have a bigger car, save a lot of tax and sin free.
@aliz6716
2 жыл бұрын
Agreed 100%. Living in America, Canada, the UK, or wherever because Banks are everywhere. It's not an excuse to compromise Aakhrit. If Muslims don't follow Islam in other countries how the non-Muslims would know about Islam? Islamic culture differential teachings, laws from other religions?? In foreign you have to be a more responsible Muslim than in your own country. Non-Muslims are also trapped in banking interest rates. They pay mortgages for a lifetime, the cycle never ends, and work like slaves of the Banks.
@ApplicationSubmitted
2 жыл бұрын
inflation is much bigger now than any mortgage rate. Riba was prohibited in time when money were golden. Now money is paper that has no value. So if we keep them they just depreciate. And mostly riba prohibited in a way as to give money to others and charge percentage. Because golden money never deprecate. It has some value after 1 year and 10 year also. But paper money returned after 10 years will depreciate maybe 10 times in some countries. So think deeper and wider please. So making your money depreciate and paying rent for buildings that also built on percentage money is not the best way to show Islam. Be humble, kind, nice, generous, honest - this is better way to show Islam for people overseas.
@ahmedzakikhan7639
2 жыл бұрын
@@ApplicationSubmitted fine in 21 century without drinking alcohol promotion at job is harder, so I will drink alcohol as well = same concept as protecting economic value of your asset. There are many rich successful people who live on rent in New York.
@ApplicationSubmitted
2 жыл бұрын
@@ahmedzakikhan7639 no it’s not same At all. When person land 10$ and ask after 10 years you give me 15$ his intention is not to get more, but just to keep his money in value. But if we speak about golden coin it has value even after 100 years. Same with flat. If you save , your 10 ths today will become like 1 thousand after 20 years. So if inflation rate is same as mortgage you are not actually paying anything extra. However if we buy apartments with gold coins it’s another story.
@ApplicationSubmitted
2 жыл бұрын
@@ahmedzakikhan7639 it’s all about intention. We are not allowed to charge people purposely and put them in debts. But if inflation is that high it’s actually lending 10 dollar and getting back 1 dollar. Islamic banks charge more than normal banks. Why? Because they also just try to protect themselves from inflation
@ahmedzakikhan7639
2 жыл бұрын
@@ApplicationSubmitted When people run successful business at managing night clubs or bars they make way more returns on investment than investing in Real estate. So now do that. Your logic that buy real estate because it makes you richer is unreal. Being dishonest can also make you richer, should you do that ? In Islam taking interest is worse than being dishonest or bribing.
@Gatechsq21
Жыл бұрын
Agree with the shaikh on Riba. Would like him or some one knowledgeable to define it properly. The loan rates in the US were as low as 2% until last year. The "halal" or Shariyah compliant loan companies were charging 4% "profit" at the time. I don't understand the difference between interest and profit. Seems like the Shariyah compliant companies are over charging, which is also a definition for riba.
@echo.ichigo
2 жыл бұрын
Hi. I am from bangladesh. My mother is taking interest to make a home. I have tried telling them not to. Tried to make em understand. All i got was shmed by my family,. And they telling there is no other way. I tried telling them. Sell your flkat and buy one flat it will do. My mom listens to more to my sister., And she isnt into Islam. I have been shamed called bad things from my family. I amreally frustrated. I just cant abandon them. I hoping to live alone with my wife. and not stay in that house. Please pray for me So i can take that hard step.
@majdevelops
2 жыл бұрын
May Allah make it easy and provide means to help you in sustaining your family. Indeed threading the path of truth will become something quite hard and one will start to seem like a stranger in the society or environment. But with Iman and steadfastness, you’ll surely have conviction that you’re doing the right thing. I pray Allah opens more doors for you to provide for you, your wife, kids and others in your care. Ameen 🤲🏾
@FreeBird321
2 жыл бұрын
Stay strong and hold onto your deen, brother. May Allah make it easy for you.
@IrfanQuraeshi
2 жыл бұрын
Allah doesnt hold someone accountable for someone else's sin.. That's all I can say from my side. Best you can do is to tell them not to otherwise Allah going to punish them
@echo.ichigo
2 жыл бұрын
@@IrfanQuraeshi I know but my mom will be hold accountable. Thats why i am more sad or more. Brother I feel like I am useless to them. I am speechless just helpless.
@ApplicationSubmitted
2 жыл бұрын
inflation is much bigger now than any mortgage rate. Riba was prohibited in time when money were golden. Now money is paper that has no value. So if we keep them they just depreciate. And mostly riba prohibited in a way as to give money to others and charge percentage. Because golden money never deprecate. It has some value after 1 year and 10 year also. But paper money returned after 10 years will depreciate maybe 10 times in some countries. So think deeper and wider please.
@ariffinsalim2999
Жыл бұрын
The prophet SAW lived in Mecca when it was a non muslim country for most of his life. The haram was filled with idols. He did not compromise on his principles for one second. We need to follow our taqwa at all times.
@helper4665
2 жыл бұрын
Subhan Allah. great and expected answer. if islam allows riba then there is no difference between falsehood (other religions) and islam. that is why Allah is worthy of worship.
@puneetkalsi8096
2 жыл бұрын
Everyone around us in the community has bought house with the fatwas from their respective countries stating 'one loan is halal, to make house'. I get so annoyed by educated people falling for this. I know It is so hard to hold back stay in rental property forever but the examples which are created is by our own community. People like us looks foolish in front of them.
@HassanMAdji235
Жыл бұрын
Been in the US 🇺🇸 for 13 years now and it’s hard to avoid this but if you can do please and May Allah guide us ameen ya rabb
@Shaftalooooo
4 ай бұрын
If Allah hadn’t guided you, you wouldn’t be in a place like America. If you pay your taxes then mortgage shouldn’t be a problem.
@Humaaxxx
Жыл бұрын
Such a well explained video, it’s so sad that our parents and our generation have no idea and have so much influence on us because all I use to think was buying a house on mortgage paying interest was security and it’s took me ages to realise that’s it’s not and it’s so wrong of these local imams to give false information to people because these people go ahead and buy homes and pay interest and then teach that to there freinds and family
@noamansattar
2 жыл бұрын
You guys in USA, why don’t the Muslim communities establish a Islamic bank with strict rules to give money for house and not for commercial use Can consider the same as “BC” like in pakistan Start by listing it in stock market of USA, this way the company would have to follow rules, less chances of fraud and it can attract investment
@khayute
2 жыл бұрын
The sister asked a very good question...
@immytv
2 жыл бұрын
Yeah keep laughing only a Shaytan does what you do. Make fun of people while he invite them to dawah and Islam
@suheelmohammed4413
2 жыл бұрын
There was a man who calls himself a deobandi who said to me that where muslims are minority, we come under the ruling of baitul harb. Allah knows from where he got this word. So it is allowed to take loan on interest once. I wonder wether adultery once, alcohol consumption once, murder once, might also be halal according to that concept. Nouzubillah. Astaghfirullah. May Allah save us from Riba, zina, shirk, heresy, etc
@muneezaobaid9747
2 жыл бұрын
Don’t go to the place where ur religious principles are challenged. RIBA is haraam
@tanweerahmed6861
2 жыл бұрын
which country in the world don't have conventional banks ?, please answer so all the Muslims in the world can go to that country
@eandpmanagement
Жыл бұрын
Any one can buy a house in America either by paying full amount or by taking mortgage. There is no rule that how you pay it. The seller doesn’t care. Weather you pay cash or through mortgage. He gets his money at the time of sale.
@mr.robotafg9659
Жыл бұрын
Thanks for making me rethink about my decision of taking mortgage.
@arjundas5104
Жыл бұрын
Yeah....easy to say when Dr.Zakir has been living in luxury as a guest in Malayasia and earning money through youtube and other appearences. Good luck saving money and buying house in western countries. Most muslims ( except some rich countries in the Gulf) just do average jobs in Western countries. If they dont take out mortgages they will never own a house.
@quiztherapy6851
2 жыл бұрын
The rent is not cheaper than the mortgage where i live. That is the whole point. We wanted to move to another apt but the cheapest we found was 2500$ a month 1 bedroom while the mortgage is 1600-1800$. But buying is not an option right now too. Anyways house with mortgage does not mean you own it. However paying mortgage is cheaper today than rent. Patience and hope is a key may be one day we will buy the house of our dream with cash.
@roshanburgai3902
2 жыл бұрын
It’s not about $, it is about making Muslims and Muslims Centers a permanent fixture in the non Muslims majority west. So our coming generations don’t loose their beliefs and tradition and it’s not replaced with the western values and traditions.
@knowyourlord2548
2 жыл бұрын
Assalamualaikum Rent is cheaper. If you buy a house most of what you pay is interest, so the house costs $300000 you end up paying over twice that. Also the taxes on the house, water bills, any repairs are your responsibility as a "homeowner". You aren't able to make any major changes without permission else you'll be fined. In reality it is not your house because if you can't pay tomorrow it's snatched and you get nothing back. Do the math. If the rent is $2500 I'm sure that the house are expensive there to. No one really owns anything here, understand that and trust Allah. May Allah help us navigate this life 🙏 ameen. May Allah place peace and security in your lives.
@roshanburgai3902
2 жыл бұрын
@@knowyourlord2548 You did a good math, it’s not always cheap to buy, but buying a property for Muslims is making them a permanent fixture of that community, which results in permanent religious schools, Mosques and centers. And that will help our coming generations to not lose their faith and traditions.
@saqibnabilone
2 жыл бұрын
It doesn't matter. Its just a point. The crux is the riba (mortgage) is haraam in islam.
@knowyourlord2548
2 жыл бұрын
@@roshanburgai3902 Security lies with Allah. "permanent fixture" why and at what price? Look at our situation, how many Muslims do we see doing this yet nothing has come out of it. I have not seen anything good come out of disobedience to Allah. Sometimes it's our ego that pushes us to madness. May Allah forgive and guide us. Trust me, I know it's hard, but hold on to the rope. By the way many Muslims are here for the dunya, and the children have lost their way in spite of living in a close knit community. This affair is greater than we make it out to be. We can only do our best
@jkhan1108
2 жыл бұрын
Dr.Zakir Naik should have elaborated more on the verse. The verse of Surah baqrah he is talking about is of demanding RIBA I.e taking RIBA,here In the case of mortgage ,the person is paying the interest not taking or demanding it. Please correct me if I am wrong
@jamilladiallo1321
2 жыл бұрын
giving or taking riba is haram
@afg786malang8
2 жыл бұрын
Alhamdullilah i been living in USA for 33 years and still renting and happy I can buy a house for mortgage tomorrow what about my akhira?
@naturesgift2697
2 жыл бұрын
Asalam o alaikum. I have question? In Quran I found taking or getting riba is haram but I can't found that giving riba is haram too. In mortgage we are not taking or getting riba but we are giving riba. Kindly clear this situation.
@rizwanfarooq3910
Жыл бұрын
It's in clear hadees that who takes riba and the giver and the one who writes the contract are same and as get ready for the war with Allah and His messenger P.B.U.H
@industv1221
7 ай бұрын
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
@ImyManzProductions
2 жыл бұрын
Anybody with a mortgage is a THIEF based upon how modern banking operates. Consumers of interest-based loans are responsible for inflation, which puts downward pressure on everybody's purchasing power. After learning obligatory religious knowledge, every "Islamic school" should be educating children the basics about how money operates in the modern world, that is assuming the teachers in these madrassas themselves understand how money operates.
@waqasanjum85
Жыл бұрын
Best comment
@Farhan-sp4mf
Жыл бұрын
Well said. I’ve been studying Islamic finance and you’re absolutely correct this is a very dangerous path
@yp5093
11 ай бұрын
Thanks brothers and sisters reading your comments has gave me peace as i am really getting tested from family Allah protect us from this sin
@drasia6376
2 жыл бұрын
I have one question ..RIBA is haram …then all banking policy those in muslin countries giving loan is also haram ….kindly explain this …
@shakirhyd
2 жыл бұрын
If the banking institution are using interest as a source of financing, then it's haram, period. Regardless of who does and where it's happening. There are many things in Islamic countries that are blasphemous, does it mean we justify all those things? No, absolutely not
@drasia6376
2 жыл бұрын
@@shakirhyd I’ll ask someone who is in banking that there’s no any system except riba in banking ..
@WahidKhan-un1si
2 жыл бұрын
Unfortunately it is true that modern banks can’t function without interest. Even the Islamic banks are not purely without riba, directly or indirectly most of the islamic banks also involved in riba due to market competition. There is no escape route in the present world. They only way I believe that the Muslims in any particular community, especially in non Muslim countries, should come forward and lend their surplus to fellow Muslims to avoid getting involved in riba. Muslim countries especially in gulf have some Islamic provisions available for housing
@fauziakhan692
2 жыл бұрын
Yes..it is haram.. U can watch dr Israr Ahmed lecture on it ...then u will understand all things clearly..
@drasia6376
2 жыл бұрын
@@fauziakhan692 ok I’ll watch …Insha Allah
@denismefaev3983
Жыл бұрын
I don’t have money to buy a house in Australia. Nevertheless, I rather rent a place and be a free person and not commit that major sin! I see so many non-Muslims depressed every time they don’t receive money to pay for their mortgage on-time. So many people are not free to choose a better job, move places, take time off, buy something for their kids and constantly be under pressure because of Ryba. Alhamdullah we are Muslims should be happy with Allah’s guidance.
@JetCareerz
2 жыл бұрын
What is the difference between profit and interest ??
@NskOlav
6 ай бұрын
I just bought a house, and i had the opportunity to cancel the contract. I remebered i saw a video about riba and then said to my wife if this is riba i will not continue no matter what... Then she asked someone who has knowledge and he said it was not haram. I keept asking him to make sure bc i got scared. So we proceed to buy the house and now i feel lost and scared bc i feel have angered Allah swt.... If somone has some guidens please help bc i can no longer cancel the contract.
@silentlofderis7225
2 жыл бұрын
Not a realistic answer, you cannot avoid riba in modern world as long as you use FIAT/bank money. Because of this system for example in my place, you get higher return from crediting a house than its interest or renting due to the increase of price per year. Also you own the house/land that could be an asset in the future once you move from there, which is not possible if you only rent all your life. This era was prophesied by Muhammad SAW, where he said there'll be a time where ummah cannot avoid riba because the society is forcing onto them.
@carbonlodi1527
2 жыл бұрын
Can I have the reference for that hadith? I can't find it on Google. It doesn't seem authentic.
@silentlofderis7225
2 жыл бұрын
@@carbonlodi1527 I just rechecked where I got my opinion from, it was actually something I heard long ago and turned out it came from weak (da'if grade hadith) regarding prophecies about modern day and qiyamah signs: "The Prophet (ﷺ) said: A time is certainly coming to mankind when only the receiver of usury will remain, and if he does not receive it, some of its vapour will reach him. Ibn Isa said: Some of its dust will reach him." Reference : Sunan Abi Dawud 3331 In-book reference : Book 23, Hadith 6 English translation : Book 22, Hadith 3325 Keep in mind even though most of the modern day prophecies came from weak hadith, all of them actually has became true/reality.
@vikrantkumar4477
2 жыл бұрын
@@silentlofderis7225 It because all these hadith were written by someone not long ago who observed that Islam is inompatible with modern world and wrote hadith to support where Islam was going opposite of it
@faraaz6356
2 жыл бұрын
@@silentlofderis7225 so does that mean we should start taking riba there r many prophecies such as zina will be prevalent so that means u will give excuse that in today’s time there is too much fitna and hence no one can save himself from zina lol
@azeemsiddiqui4764
5 ай бұрын
Riba is definitely avoidable in this world. Your answer is not realistic.
@ahmedragab71
Жыл бұрын
Guidance Residential is a halal way to buy houses in America. They don't give loans but they go into co-ownership with buyers. So there's no excuse to do riba while you have a halal alternative.
@rasmus4236
2 жыл бұрын
I would rather die poor and die of hunger, my head under the foot of my energy gasping for air and die in that position than to deal with riba. Thank you for this beautiful brother Zakir :)
@fine2502
Жыл бұрын
So what will you become , bomb blaster in market.
@souzou1000
3 ай бұрын
الحمدلله.. I built my own house it took a while to do so but I know that I followed Allah's commands and laws and that's what matters to me!!!!
@freeyourmind7538
2 жыл бұрын
I understand the argument that we NEED a house and therefore one mortgage is justified(3ven though it is wrong) but what i have never understood till this very day is that instead of paying off the mortgage as soon as possible, they start making extensions 🤷🏾♂️ I think the muslim community that argues for one house/one mortgage need to get together and help other people by lending money to them rather than spending an extra £30,000 on extensions 🤷🏾♂️ I know people that have a mortgage, paid off but then don't like the area anymore and then decide to move and open a new mortgage. This just nullifies the argument of having to get a home on interest
@freeyourmind7538
2 жыл бұрын
@@realSumedh I never said i agree with it, i just said that i understand the point of having ONE home. Its like suicide bombing a shopping a mall, i dont agree with it but i UNDERSTAND that the bomber may have seen his mom,sister, bro etc get blown up and then having yo collect their limbs and in anger they go and kill innocents. Im just saying that, the argument of having ONE under mortgage fails because you are supposed to pay it off asap rather people start expanding their home and delay paying it off. Also, the muslim community needs to stop expanding their homes and buying luxury cars and start a community that will lend the excess money for muslims to buy homes without even considering a mortgage 🤷🏾♂️ Instead of buying a £20,000 car, for the sake of Allah, just buy a normal £5,000 and lend the £15,000 out to a muslim who is about to buy a home. Just a thought.
@UNDERTHEHOODPODCAST
Жыл бұрын
@@realSumedh Relax. When you put it that way, it's the same as bullying. "Your Money Matters more than following Allah"... Of course, Money Matters, when you are hungry and have nothing to eat you will peel every surface to survive. When you live in a Western Society, every thing is based on interest. For example, when the cost of goods rise, to control inflation, the central banks raise interest rates to slow spending pushing price down. If spending is slow, the central banks lower interest rate to encourage spending. When a Muslim lives in such a society, all your hard earned cash that you put in a bank to provide for your family is impacted due to these monetary policies. This is why, it's best to understand how these things work and that this type of RIBA, such as buying a house and taking care of your family to keep your month to month expense low in comparison to rent shouldn't be treated as harshly as a person who goes and gambles their wealth, owes money due to gambling habits, puts their family up for sale or a person that takes a loan from a hard money lender with very high rate and can later be taken advantage of. These were issues that took place pre-Islamic times. Foreign Exchange currency rates are also impacted based on monetary policies in countries like USA, which are influenced by increasing rates etc. Point I am making is that if we have to adapt to Western Society and accept the rules within the society, you can also take time to understand the way the financial system works. It is not as simple as "interest", I believe it should completely be banned in all of Western Society and governments or central banks should not be allowed to dictate how the market needs to shift. If that can happen then we will live in a interest free world. I am not that knowledgeable to go into deep details about this but what I can tell you is that it's not as black and white as we think. The Mosques put millions of dollars in the US banking systems. Those monies flow into all types of organizations, institutions, and support many aspects of society that the mosque may not be okay with. In addition, when the economy is crashing down that $9 million dollar that the mosque built up to do a humanitarian project of sort can't do the project because the cost of goods have gone up due to supply chain issues/inflation etc. It's best to keep that money in a method, where it can accumulate more money. if not interest, stick it in some sort of short term investment that involves a good of which value can go up and keep up with inflation.
@UNDERTHEHOODPODCAST
Жыл бұрын
@@freeyourmind7538 There are people out there that call themselves Muslims and will sit with you and argue that suicide bombing is permissible. They will even give you many reasons to why it is okay. I will not name groups but let's just say there are some very extreme groups out there that believe or hold such aqeedah. Majority of the traditional school of thought do not follow this path but they will even go as far as claiming that the traditional school of thought misunderstood the hadiths. What I am trying to tell you brother is that anything out of anger is going away from a straight path and to that of the Shaitan. As for the home, it is not necessary to get a mortgage. However, if you go to San Francisco, CA - You cannot find a place to rent and live with your family. It may make more sense to buy a house somewhere and keep your month to month cost low. Is it the right thing? probably not but it is between you and Allah (SWT). Sincerely,
@UNDERTHEHOODPODCAST
Жыл бұрын
@@realSumedh Islam was always about protecting the oppressed. Every rule was put in place to prevent Muslims from taking advantage of people. For instance, I let you borrow money but I want my money back in 10 folds and you couldn't pay me back... So instead, I would ask for your family member or you to be a slave etc. The banking system in the West is run based on interest and it's not such that if you don't pay your debt, you have to give up your family members or enslave yourself. You do know that there are other scholars that differ in their opinion about this topic. As for economics, you can always go to online schools that are very cheap. You can for example go to university of Illinois Champaign Urbana do an IMBA and they will have economic courses. Best of luck.
@gok7353
4 ай бұрын
may Allah bless you and increase you knowledge and may Allah give you janatul Firdaus
@MuhammadUsmanwazir
Жыл бұрын
Great Personality. May Allah bless you here and hereafter 🤲🏻🤲🏻🤲🏻
@MahboobAli-xt3wz
3 ай бұрын
Problem in USA, you can't get an Islamic loan from Islamic mortgage bank , that's a biggest chalange. If you can't give a solution then better to ask mercy from ALLAH Subahnatala.
@Sam-su9rq
19 күн бұрын
We financed our home through islamic banking. Paying higher price.. but bearing expenses to have mental peace that it is halal. When sharia board here in US label it as halal. We trust and follow.
@razamughal4582
2 күн бұрын
i wouldnt trust the shariah board in america
@shaikhfahad4133
2 жыл бұрын
Fully satisfied answer dr zakir sir... 🙏
@aapkatv09
2 жыл бұрын
I believe what the Imam is referring to is establishing credit. In order for one to establish credit he/she has to either take out personal loan with some sort of a collateral or acquire a credit card at a very high interest rate. You cannot take out a mortgage without having any sort of credit in the first place. They want to make sure you will be able to make monthly payment. Also it is not true that you have to take out mortgage to buy a house. You can pay cash. But if you don't have cash you can go the Islamic way of financing the house. It is called Musharakah and Muhraba. It is a partnership between borrower and bank. The third way to purchase a house is Ijarah. It literally means rent. You rent a house on the understanding that you will eventually by the house with cash.
@USARMY3450
2 жыл бұрын
I think zakir is not clear on the question. He is not taking interest, rather he is paying interest. Even if you get an apartment in US they the apartment is paying interest. What you think the person will live on the street?
@BluetekFREEGAMES
2 жыл бұрын
where did you study sir? where does it says that only taking interest is haram and giving is not ? paying rent to the landlord has no interest directly . if he delays the payment yes he can ask interest for that payment. the landlord may pay interest but that doesnt concern the guy who doesnt .
@USARMY3450
2 жыл бұрын
@@BluetekFREEGAMES I don't know what country you live in, but here in America, everything got interest, buddy. You need to go do some research, my friend.
@mohammedjaffarsaleem2865
Жыл бұрын
Alhamdulilah Jazak’Allah Al Khair for true guidance
@ahsanmohammed1
2 жыл бұрын
Riba is Haram. No doubt. However, sometimes, certain Haram things become halal, temporarily, like eating a pig. There’s theoretical Islam and then there is applied Islam. Dr. Zakir Naik is talking about theoretical Islam. It is black and white. Applied Islam has many shades of gray, varies by region, by person, by circumstances.
@faraaz6356
2 жыл бұрын
Haram becomes halal only when someone is forcing u on gunpoint or u r about to die due to starving
@ahsanmohammed1
2 жыл бұрын
@@hasibabdullah3463 Riba is always Haram by default. Period. No scholar in his or her right mind will say otherwise. However, there are exceptions to all laws. It is this set of exceptions that are a matter of almost all debates. Example If you’re in Ukraine with your wife and small children. Bombs are raining down in your city. You don’t have money. However, you hear of someone offering Riba based loans to go start a business in Turkey. You have the skills. You qualify for the loan. I say, riba is haram. However, it's temporarily halal for you! So, go TAKE IT. Take the Riba loan! GO. Save yourself and your family! Do not hesitate! Do not feel guilty! Allah, the All Mighty and All Merciful has allowed exceptions in Al Islam!
@ahsanmohammed1
2 жыл бұрын
@@hasibabdullah3463 I would add. Listen to Dr. Zakir Naik. He’s right. However, here in this video, he’s talking about the default ruling of riba. Not the exceptions. Apples and oranges. He’s talking default. Your situation is an exception. Believe what he is saying is right and accurate, and with that belief, go take a riba based loan, if halal loans are not available, and go save yourself and your family! Both positions are Al Islam!
@AH-hz5xc
2 жыл бұрын
You are basically making up your version of Islam. Just be honest and admit when you can't be a Muslim according to the laws
@ahsanmohammed1
2 жыл бұрын
@@AH-hz5xc “Exceptions” are an integral part of Islamic laws, and yes, many have to be “made up.” Sorry.
@khalidamakin8162
23 күн бұрын
In other video he says that buying something on installments is allowed and paying extra ampunt is also allowed . It means that buying house on installments ( mortgage) is permissible as long as amount is fixed and no compound interest . Allah knows the best
@playstation9435
Жыл бұрын
I am very interested in knowing the "many other way" to get money to buy a house as you mentioned
@Azan-rb6gk
Жыл бұрын
Absolutely right ALLAH mehfooz rakhe Ameen
@dadasmp
Жыл бұрын
I would like to listen to our shaikh when he explains the difference between nominal interest and real interest and how sometimes in an inflationist economy a nominal interest can be less than real interest. And when such negative interest occurs can this still be called riba.
@albertnawab9211
Жыл бұрын
I have paid more than 1.5 million on rent where I have been staying for 37 years. IF I bought a house on mortgage, I could be the owner of this in 37 years and no need to pay rent now at this old age. I am so sorry now. I recommend all muslims should buy on mortgage if you do not have enough Cash. But you must have regular income. "Interest" mentioned in Quran was something different. Things were different in old days. If Prophet still alive in these 21st Century, he would say something different. Believe me!😁
@mohamedmakhtal2487
Жыл бұрын
Asalaamu Alykum brother Zakir. I love your teachings. May Allah bless you.. I have a question if you don't mind asking, what about when the mortgage is cheaper then the rent? if you rent all your life, you will never get your money back where if you have a mortgage , you'll eventually get to own the house and never pay rent again... I thought riba was made Haram becouse its money that coming from the poor and going to the rich. by renting, you making rich person or company richer.... another word, owning a home is much cheaper then renting a home.
@uthmanodedele2220
Жыл бұрын
Sure yes. If not you become surefix cashflow for the rich. But remember the goal fine a solution to borrow but no riba(interest) that much better but what it difficult cuz Satan is the bank and it slave they rule the money
@lulzimfazlija
Жыл бұрын
I wonder if there are still ppl taking in consideration these non sense talking, why dont you just for once be rational
@hadiabarry1548
8 ай бұрын
you are right brother, thank you for bringing this out
@mohdharis2401
4 ай бұрын
Just want to know that in Quran it is stated for taking Riba but not for giving Riba. I have not found any surah in Quran which quotes against giving Riba.
@shameemsultana8386
2 жыл бұрын
Asalam alikum warahmatullahie wabarakatahu. Allhamdullilha mera bhai zakir bahooth khushie huwe aap ki vedeo dek kar ALLAH SWT aap ko khush rakhaa aap ki hifazath farmaya aap ki family ki hifazath farmaya ...Ameeeen
@clydecyoung6158
4 ай бұрын
Question for Dr Zakir Nouakchott,there’s a verse in the Bible “A heep see’s only a few knows,many are call,but only a few are chosen “. Where can that be found?
@AyaanMohammed
2 жыл бұрын
but the question is not of taking Riba, right. It's what we pay to the bank. And taking in account inflation, its at 7% globally and bank interest is 1.99% to 2.99%. And rental increment is around 8%. (Caution: I don't support riba, just a question pop up in my mind). If calculated, house on mortgage is more financially relaxing than paying rent, cause now-a-days you have insurance companies backing your home loans. just a question!
@suleimansiddiqui2468
2 жыл бұрын
No matter how financial relaxing it is mortgage involves riba and is completely prohibited no matter what
@babarsheikh4387
Жыл бұрын
Also rent has late charges if payment is delayed and also some. Rental companies charge interest on late charges etc..
@AyaanMohammed
Жыл бұрын
@@suleimansiddiqui2468 Islam is there to make your life easy, Allah would never want us to be weak and so confused. All the proofs provided in hadith and Quran refers to taking riba. We need someone who can understand finances as well as Quran and hadees to pass a fatwa on it. It is even haraam to declare something haraam which might not be haraam in islam. I will be posting this question to the mufti of my masjid today and lets see, what answer we get.
@suleimansiddiqui2468
Жыл бұрын
@@AyaanMohammed literally every scholar gave a fatwa that riba is haraam whether taking or giving but if u r blind to that just to satisfy ur desires then i cant do anything abt it
@AyaanMohammed
Жыл бұрын
@@suleimansiddiqui2468 I'm not surprised you were so quick enough to judge me that I'm here to satisfy my desires. What I have learnt from my parents and as far as my understanding goes, Islam is here to make our lives easy. And if you would have read my question, you would know what I wrote. Anyways, I won't blame u for that. Assalam alaikum brother❣️
@nikhatkamal8908
17 күн бұрын
Speaking my mind, alhamdolillah! We have been living in Canada in rentals and will never opt for mortgage, Insha Allah!!
@hadeekhamush6266
2 жыл бұрын
I saw a video of a Hanafi scholar I think he was from Uzbekistan. He said it's considered ribba when you buy money for more money. These mortgage loans are only for buying the house. You can't do whatever you want with that loan money, you can only buy the house. So in These transaction your getting a product from the back your not getting money. So you are paying for the product at the price the bank has set and you pay it in installments. This made sense to me. If this is not correct please advise.
@awaqar2
2 жыл бұрын
Literal meaning of Riba is excess. Riba is earned on money lent. Regardless whether someone loans you to buy a particular product or not if they charge 'excess' on the money they have lent you it is Interest. Bank pends you 100k but asks you to pay 125k back that's Riba. Money charged on time is Riba , money made from money lent is Riba ,
@siddiqueiasif7112
4 ай бұрын
as you said taking Riba is Haram...some Imaam says that taking riba is haram...but giving riba to buy property on mortage is ok...since you not taking riba ..you giving riba
@explorebirmingham9414
2 жыл бұрын
Mufti e azam Taqi Usmani ( Pakistan) said that in these days any problem like any explanation of Islamic rule these days should only be given by scholars or mufti’s of that country so in this case only American scholars can tell you if mortgage is haram or not you can’t explain this by living in India or Malaysia. Many scholars said that taking cash loans on interest from individuals is haram but buying home is not interest from a bank or institution as house prices or doubling and tripping than its original loan amount plus interest
@kamoliddinov
2 жыл бұрын
Allah already told you it is haram. He is just reciting it. If you want to follow Allah and his rasool then take the answer.
@thunderwt9921
Жыл бұрын
It's not what creation (human) says , you need to follow what creator (Allah) says. ALLAH says it's haram then it's haram and he (Allah) not give an excuse. If you are true believes. As Dr. Zakir told , ** Are you want to take risk to losing the the house of Jannah for the house in earth. ** We are travelers in earth for few days, and travelers stay in hotel (rent house). If you have cash money then it's different. ** If you have no ability at this moment & there is choice of halal or haram, like rent (halal) or mortgage (haram), you must chose the halal way. Because it's a test for you from Allah. "Surely, Allah is with those who are patient" Surah Baqarah :153 ** Either you take money from your capable Muslim brother without interest by lending, if you have that kind of brother or Save money for future And keep believing in Allah, So, that one day 'In Sha Allah' Allah will provide you. Of course Allah will provide to the believers. ** And most importantly, only believe in what Allah & our Rasul Muhammad (PBUH) says in Quran & Hadith. Avoid what others (new moderate so called Islamic scholar) says. If it's their personal opinion or group opinion, if it's against Quran & Sunnah , then it's available. Because saitan is always want to misguided you by his minions & followers.
@SYEDOHIDULISLAM1966
4 ай бұрын
Surah Al-Baqarah 2:278 O you who believe, fear Allah and give up what remains of usury, if you are believers. 2:279 But if you do not, then take a declaration of war from Allah and His Messenger, and if you repent, your capital will be yours. Ye shall not oppress, and ye shall not be oppressed.সূরা আল-বাকারাহ 2:278 হে মুমিনগণ, তোমরা আল্লাহকে ভয় কর এবং সুদের যা অবশিষ্ট আছে, তা পরিত্যাগ কর, যদি তোমরা মুমিন হও। 2:279 কিন্তু যদি তোমরা তা না কর তাহলে আল্লাহ ও তাঁর রাসূলের পক্ষ থেকে যুদ্ধের ঘোষণা নাও, আর যদি তোমরা তাওবা কর, তবে তোমাদের মূলধন তোমাদেরই থাকবে। তোমরা যুলম করবে না এবং তোমাদের যুলম করা হবে না।
@user-ok9gy2pc1v
2 жыл бұрын
I love you for the sake of Allah my brother!
@Canikissyou-is7zc
4 ай бұрын
Means the imam that he told us that if you’re going to buy the house in America to live on it and to use it for you personal use is halal. but if you’re use it for for commercial to rented and make money as a profit is haram . Was just a non educated imam. Means most if I don’t say all the Muslim in the world who really bought a house or is going to buy a house to use it for personal use is haram. How you could survive in a rental property that cost you in each month more then your you pay for a mortgage. To rent a APT it will cost you the minimum for one bedroom $2000. But if you pay the mortgage in the same APT, you will be paying more then $1500
@anujarahim8533
2 жыл бұрын
Jazak Allah khairan katheerah brother Very well explained, Alhamdulillah
@ajadona
2 жыл бұрын
One difference is here. it's not about having riba, it's about giving riba. Both are haram, but they are different. Most of the people have bank account which deals with riba in some way. Some need to take vehicle loans, educational loans and things like that which deals with riba. What about that?
@SP91223
Жыл бұрын
That’s why the person who wrote a book is not a knowledgeable person. And definitely it’s not the God who gave quran. Some idiot referred various texts and adding his thinking wrote this book ..
@hassanashwas6719
2 жыл бұрын
Sometimes you have to look beyond this Dunia to get your answer. We are given lots of choices on how to avoid Riba but we keep thinking about keeping up with the Joanses more then the Sahaba
@syedahmed1729
2 жыл бұрын
Without mortgage that man will never be able to own a house. He will keep paying rent for whole life and die homeless. With mortgage he will finally own the own the house in 20 years and not pay rent any more and die owning a house and that house he can pass on to his children. Thus this Muslim who will not take mortgage will keep paying rent instead of paying the mortgage and remain poor & die homeless. The Muslim who took mortgage and who paid off all mortgage (rather than paying rent) will live in his own house and will die in his own house and not die in someone's else house. Perhaps Dr. Zakir Naik is right and that it is better to die in someone's else's house or die on the street homeless, rather than die in one's own house.
@resekatari8007
Жыл бұрын
Correction for Dr Zakir at 4:48. The rent in Toronto is higher than mortgage nowadays. In fact it is the renters who are paying off the mortgage of the home owners and landlords.
@Dashtea
Жыл бұрын
In the majority of the world the money spent for monthly rent is substantially higher than paying monthly mortgage. However in one case you give the money to the owner of the home and in the other case you give money plus interest to a Bank!
@kurdistanindependance5471
Жыл бұрын
I never understood this ban on loans and this lack of logic only leads me to further criticize Islam and separate myself from it
@Dashtea
Жыл бұрын
@@kurdistanindependance5471 corruption in the world is caused by loaning+interest. Are you really happy about how the economy works as it is working right now Bram?
@resekatari8007
Жыл бұрын
@@kurdistanindependance5471 The Islamic logic is correct. In that interest on money leads to financial inequalities and is an injustice. Imagine your worth as a human(or rather your monthly salary) is only equal to interest on ABC amount of dollars. The rich get richer and the poor keep getting enslaved.
@resekatari8007
Жыл бұрын
@@Dashtea You have to look at the larger picture. its the same thing. pay interest to a bank vs paying landlord who would also pay to the bank. Until the Muslim world comes up with a real solution (community construction efforts) you cannot suggest people to make their own lives difficult.
@saqibb.8292
2 жыл бұрын
Adding more, i've been told by mufti that we need to fight against riba, and the best outcome will be to finish riba. Knowing Muslim's current financial situation which can't establish own banking system neither fight riba. So as per mufti, get house loan and paid off early will reduce interest (damage bank's profit from you) and not let your children to go towards riba for house. If the same is to be done by many Muslims, as per mufti, this will be a fight to finish riba in generation. Allah knows the best. This is not an advise Please do your research.
@NafizIman
2 жыл бұрын
Renting a house or apartment is also haram in western country since you are helping the landlord paying his/her mortgage. It is not possible to live in a western country without avoiding interest. A simple grocery you buy from walmart in western country is connected to interest.
@Dawahsphere
2 жыл бұрын
While I was looking into immigrating to a nonmuslim country for livelihood, i found out that once you land there the first thing you need to do is to get a bank account and get a credit card made. Because everything that the government will allow you to do from then onwards will be based on your credit score. I was truly shocked...
@silentlofderis7225
2 жыл бұрын
Great perspectives from both of you, thank you for the info
@AlmerajStudio
2 жыл бұрын
Taking this logic in to consideration Then having a pharmacy store is also haram Cuz one guy could buy more medication and over does it lol😂 What kinda strange logic you have ?
@iffatnafees
2 жыл бұрын
No no not true this is not the case.i heard the answer from mufti tariq masood .better check his video on KZitem.and for example there are many companies in pakistan college universities that have millions of rupees to pay their faculty or staff they keep their money in banks to earn int3rest on the money and from that interest they pay salary to the employes or faculty or staff so those faculty and staff are not sinful becoz they are getting paid for the job but ...if it's bank that employers as well as employees both earnings are haram ...
@samkoz2045
2 жыл бұрын
So then if you go to a shop and buy milk and the guy at the store uses it to buy alcohol then its haram for you to buy milk? …No matter how much you try to justify to yourself that riba is ok by saying such things, it will never be ok. The smallest form of riba is equal to having sexual relation with ones own mother in sin.
@Sirkopaneer
4 ай бұрын
The problem is, if you don't buy a house and rent then the apartment owner pays interest with your rent money and you are helping him in riba so the only option is to sleep outside on the street
@ManiUk1980
2 жыл бұрын
Actually answer is all about Ribba and everybody knows that the Ribba is prohibited in Islam no doubt about it, but many scholars believe that mortgage is not Ribba cause you actually getting house with the partnership of bank this means you never access the money bank invest on the property only access the house where you are living you only ows 10% of the property so can you please clarify that aswell,
@NafizIman
2 жыл бұрын
Interest/Riba is Haram no matter what. The ruling is anything direct or indirect related with interest is Haram. We can not just say buying home with mortgage is haram and renting is halal. Renting you are indirectly helping the landlord to pay their mortgage.
@Faisal1504
Жыл бұрын
Answer is not at all clear. Taking of interest is haram. That’s clear. Where in the Quran it is mentioned having to pay interest is haram. There are many many situations in life one is compelled by situations to pay interest. Cannot avoid it. It’s out of one’s control. Taking of interest is 100% haram as it is under one’s control. Having to pay interest that cannot be haram. As it’s not in one’s control. Please clarify.
@Rhim96
2 жыл бұрын
I have to be honest, Alot Of My Muslims Relatives Are Involved In This Major Sins, Knowingly Or Unknowingly They Just Sold Their Hereafter For This Temporary World, May Allah Guide Them To The Straight Part, Amin..
@Yo-_-Yo
Жыл бұрын
Someone to explain me this: If I’m working i receive salary(money) which can come obviously from any things like gambling,xxx,money laundering and so on….as long as I work ,salary it’s fine,right? Now…if I get a mortgage the money comes from same sources,gambling,dirty business,xxx,laundering etc Salary-unclean sources(but acceptable) Mortgage-unclean sources(not acceptable) Where’s the issue?
@michaelscottland4239
Жыл бұрын
Who said salary (uncleaned source) acceptable? It’s not acceptable.
@Yo-_-Yo
Жыл бұрын
@@michaelscottland4239 then how do we make the money we need in order to survive,for food,feeding kids,paying bills and all that?
@michaelscottland4239
Жыл бұрын
I love your technique: If you cannot dazzle them with brilliance, baffle them with bullshit.
@carbonlodi1527
2 жыл бұрын
It is more dangerous to have small knowledge than having no knowledge.
@zainabtijani419
2 жыл бұрын
Very true
@theaimannisar
2 жыл бұрын
Half Islam is more dangerous than no Islam
@truthfinder7600
2 жыл бұрын
@@theaimannisar our islamic prophet was a sinful written in quran That Allah may forgive thee of thy sin that which is past and that which is to come, and may perfect His favour unto thee, and may guide thee on a right path, Sura al-Fath 48:2 Next, Sura Muhammad 47:19 distinguishes between the sins of Muhammad and the sins of believers. Muhammad was instructed to request the forgiveness of his own sins as well as the sins of believers. Again this explicitly shows that Muhammad sinned and needed to ask forgiveness for his own evil deeds. So know (O Muhammad) that there is no Allah save Allah, and ask forgiveness for thy sin and for believing men and believing women. Allah knoweth (both) your place of turmoil and your place of rest. Sura Muhammad 47:19
@mubarizkhaja2926
Жыл бұрын
Rasulullah sws allowed the transaction of high quality dates for low quality dates for poor but prohibited for rich which is ruled as Riba. There are multiple things to consider before tagging Riba
@ilyphysix
5 ай бұрын
I'm not a scholar, but anyone can tell the difference. One is a trade. You have a choice to accept or deny. Riba is by others upon you and will only increase if not paid and make you poorer.
@ersandy4u
Жыл бұрын
How does paying 100s of thousands in rent make sense when you can pay same amount in the monthly mortgage and own a house? Mathematics anyone?
@farmerfomIndia
Жыл бұрын
They left their brain in gutter and follow this person.
@shivpandey1258
Жыл бұрын
Sandeep bhai.....mullon k pass Etna sense hota to es gandu zakir naik ko nhi follow krte
@mango-nz7kp
8 ай бұрын
Cause riba is involved
@industv1221
7 ай бұрын
How does earning hundreds of thousands of dollars by posting nudes on OF make sense when a man barely makes a few dollars doing manual labor? Mathematics?
@yousufali-km9dj
3 ай бұрын
Heavy rent iam paying in Manchester UK...fed up with rents ..my half salary goes to rent....end of the month nothing Remain........becouse we cannot take mortgage to buy house
@samkoz2045
2 жыл бұрын
It was narrated from Abu Hurairah that the Messenger of Allah (ﷺ) said: "There are seventy degrees of usury, the least of which is equivalent to a man having intercourse with his mother." حَدَّثَنَا عَبْدُ اللَّهِ بْنُ سَعِيدٍ، حَدَّثَنَا عَبْدُ اللَّهِ بْنُ إِدْرِيسَ، عَنْ أَبِي مَعْشَرٍ، عَنْ سَعِيدٍ الْمَقْبُرِيِّ، عَنْ أَبِي هُرَيْرَةَ، قَالَ قَالَ رَسُولُ اللَّهِ ـ صلى الله عليه وسلم ـ " الرِّبَا سَبْعُونَ حُوبًا أَيْسَرُهَا أَنْ يَنْكِحَ الرَّجُلُ أُمَّهُ " . Grade: Hasan (Darussalam)
@CelestialTrailblazer
2 жыл бұрын
What to do if someone already purchased a house on mortgage ? or is it too late and destination is Jahannam ? I get that Allah forgives if you sincerely repent but I'm looking for a solution as to how to escape the riba based mortgage already used by my parents to purchase a house. Do they continue to make those mortgage payments ? or can or should they sell the house ?
@samkoz2045
2 жыл бұрын
@@CelestialTrailblazer sell the house pay whatever you need to, to get rid of the riba. Get yourself out of it. Of course Allah forgives all sins if you repent. But can you really be sincere while you keep doing a sin. Its not like a sin that you do then you repent then it happens one day again. No, this would mean you are repenting knowing you going to commit it again and again and again until the riba is paid…there would be no sincerity in that. Allah knows best
@CelestialTrailblazer
2 жыл бұрын
@@samkoz2045 The problem is, I don't own the house. So, I can't sell it. It's my parents house.
@samkoz2045
2 жыл бұрын
@@CelestialTrailblazer so its not your sin but you should tell your parents though.
@CelestialTrailblazer
2 жыл бұрын
@@samkoz2045 They are well aware but have their excuses and justification for it. I've already told them about it. They've spent a big chunk of their savings on purchasing a house. They don't want to throw all that at the risk of going homeless or causing any problem for their children. Selling the house suddenly will cause a bigger burden on them financially since both of my parents are almost close to retirement and are in their old age. I can't financially help them due to my illness either. Also, renting is not cheap at where I live and the nature of their job doesn't allow my parents to move to a cheaper city either. Also, given that they are in their old age, they can't suddenly switch careers and suddenly find jobs in a cheaper city. Realistically, it is not as easy as I originally thought it would be. I'm trying my best to come up with a solution that will save me and them from hellfire. It is very easy to get to hell versus paradise. The sin of riba is one of the top 5 deadliest sins. How easy it is to get to hell because of riba is what drives me to find a solution that can solve this issue once and for all. So far, selling the house is what I can think of currently, but I have to take into account those nuances I just mentioned. Jazāk Allāhu Khayran for your advice.
@생활엔지니어
2 жыл бұрын
I read the opinions of some scholars. They say that in the time of the prophet (SAW) people were given loans at insane interests rate. Moreover, if you miss the deadline it will nearly double and will keep growing so fast that you will be paying your debt your whole life and never finish. So the opinion is that this type of riba is forbidden but if the interest rate is small it is acceptable. Also, what would be people's advice. My friend wanted to buy a house with a loan from an Islamic bank in my country (KZ) but when you calculate the total amount to be paid it is higher than from a normal bank.
@industv1221
7 ай бұрын
The disbelievers at the time of the Prophet SAW, worshipped the idols 7 days a week. Would it be OK for us to worship the idols for just 1 day a week in our times?
@anasmarrakchi
Жыл бұрын
there are Islamic banks in the US. I’m surprised the brother asking the question says otherwise
@hawkaankh933
Жыл бұрын
There is not a such think called Islamic banks. All those so call ribba free are worst than commercial banks
@silvertad3833
Жыл бұрын
there is no such thing as islamic bank, banking is riba, Islamic banks are riba in disguised, stay away
@qamarkhan7492
3 ай бұрын
The Holy Prophet(sa) has said: “There will be a decline in religious faith and nothing would be left of Islam except its name and nothing would be left of the Holy Quran except its text. Mosques though full of worshippers will be empty of guidance. The religious scholars will be the worst creation under the canopy of Heaven. (Mishkat-ul Masabih, p.88 & Kanaz-ul Ummal, vol.6 p.43).
@nadjyaakbari6217
2 жыл бұрын
When you rent a place, the owner of the property in most cases has a mortgage. If you pay someone else’s riba that is harm too
@saqibb.8292
2 жыл бұрын
i agree, and the answer for this i found online is you're paying money for your services its upto landlord how to use that money. Maybe someone can guide better, as i'am not knowledgeable person.
@certifiedalchemist
2 жыл бұрын
Someone else's sin does not befall onto you.
@nadjyaakbari6217
2 жыл бұрын
If you know that person pays riba and you support it then it is your sin too.
@certifiedalchemist
2 жыл бұрын
@@nadjyaakbari6217 No it is not. Stop making up your own ideas and go ask a person of knowledge. Even if you know your parents paid their house with riba, there is no sin upon you for inheriting the house. In fact your inheritance is your right. Your sin is your own. It can not be inharited or passed on to someone else.
@nadjyaakbari6217
2 жыл бұрын
@@certifiedalchemist you do not understand Islam. If you know someone pays ribs and your money goes there, you are in sin too. As far as the parents house goes if they bought in riba of course that is their sin. You did not make decision but for rent you make the decision.
@syednasser7156
Жыл бұрын
Dr Zakir is my most favorite scholar, and I always listen his presentation and pray for him. But I am not convince with his this particular opinion. First, taking loan is not 'Haram'. Haram is "Reba". The exact English meaning of Reba is Usury. Usury and interest are not same. If interest is Haram the all financial institutions are also haram. Any bank related item is also haram. When you take loan from an Islamic bank, they are not going to take back the same amount (they might use different name for interest). In modern economic setting bank interest is not usury. And without bank you can not do international trade. You can not ride a plane, train, ship or you can not travel through roads and bridge and even you should not use currency or bank note, all related to bank (all banks should be haram, if bank interest is haram). Please make a clear difference between Usury (haram) and Interest or cost of a loan (not haram).
@roshanburgai3902
2 жыл бұрын
How Muslims can establish their community mosque or centers if they don’t settle permanently in a place? I saw people moved from a community due to increase in the rent and the mosque they temporarily established returned back to become a shop. I think the greater scholars who allowed to buy a house for living had thought through this issue in a much deeper level of understanding than Dr Z. Naiak.
@shakirhyd
2 жыл бұрын
Remember, Dr Zakir Naik lived most of his life in India where most houses are bought using interest based loans. So, you argument that he doesn;t understand this concept is funamentally flawed. People will find excuses to buy home or buy car etc using Riba and they will go shopping for Fatwas
@roshanburgai3902
2 жыл бұрын
@@shakirhyd I don’t say he doesn’t know that the mortgage exists. I said that in comparison to the scholars who did lead the European council of Muslim scholars, Dr. Zakir Nayak has a much lower level of qualifications to give fatwa. He is a good scholar in the field of comparison of religions, but in fiqh he is a nano or micro level qualified when compared to scholars like Shaikh Yusuf Al-Qardhawi. Don’t forget that the Hanbali school of thought is not the only school of thought in Islam. The Hanafi scholars have different opinion and fatwa on the mortgage issue that the Hanabela, which Dr Nayak is following.
@sadyaanjum3732
2 жыл бұрын
Plz be mindful that tomorrow if somehow living in west makes zinna to be committed in order to become established in the western countries for Muslims do you think the scholars should have a BIGGER VISION and allow it too???…. Like dr zakir said the lowest level of riba being taken as sin is like committing sex with your mother.. plz dont sell your akhirah for the benefit of this dunya… Angels will ask on the day of judgment about it and when ppl will say we were weak and had to follow the rules of non Muslim country the angels will say wasnt the land of Allah big enough for you to go somewhere else where you could practice your deen… the importance of hijrah can be highlighted in such situations
@TheSylrapz
2 жыл бұрын
RIBA is Haram. If there is a will then Allah will always help us.
@truthfinder7600
2 жыл бұрын
@@TheSylrapz our islamic prophet was a sinful written in quran That Allah may forgive thee of thy sin that which is past and that which is to come, and may perfect His favour unto thee, and may guide thee on a right path, Sura al-Fath 48:2 Next, Sura Muhammad 47:19 distinguishes between the sins of Muhammad and the sins of believers. Muhammad was instructed to request the forgiveness of his own sins as well as the sins of believers. Again this explicitly shows that Muhammad sinned and needed to ask forgiveness for his own evil deeds. So know (O Muhammad) that there is no Allah save Allah, and ask forgiveness for thy sin and for believing men and believing women. Allah knoweth (both) your place of turmoil and your place of rest. Sura Muhammad 47:19
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