Ruling on dealing with mortgages in a non-Muslim country

Perhaps my question has been asked many times before. It is about mortgages in non-Muslim countries. We live in a western society and we live in rented accommodation so as to avoid riba. Recently we found out that there are no houses for rent, and 96% of the market is based on mortgages. All houses are offered for sale only. Some of them told me that in this situation it is permissible for me to  buy a house by means of a mortgage and, moreover, it is possible to get the mortgage in the name of family insurance, so that the individual does not pay riba or a mortgage; rather it is paid by the insurance. Is it permissible to get a mortgage in the name of the family insurance, in such a way that you and other trustees or borrowers are not dealing directly with the bank and the lawyer takes care of dealing with the mortgage on your behalf?
I hope that you can advise me as to whether that is permissible or not.

Praise be to Allaah. A mortgage is a haraam riba-based transaction that is based on a loan with interest in which the owner of the money takes as collateral the property for the purchase of which the borrower is taking out the loan, until the debt has been paid off along with the interest ... Continue Reading

The Muslim Home – 40 recommendations

Introduction

Bismillaah il-Rahmaan il-Raheem

In the Name of Allaah, Most Gracious, Most Merciful

All praise be to Allaah, we praise Him and seek His help and forgiveness. We seek refuge with Allaah from the evil of our own selves and from our evil deeds. Whomsoever Allaah guides, no one ...

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Food distributed on Mawlid

Is it permissible to eat food that is distributed on the birthday of the Prophet Muhammad (peace and blessings of Allaah be upon him)? Some people quote as evidence the idea that because Abu Lahb set free a slave woman on the birthday of the Prophet (peace and blessings of Allaah be upon him), Allaah reduced the torment for him on that day.

Praise be to Allaah. Firstly: There is no festival in Islamic sharee’ah that is called “The Prophet’s Birthday”. Neither the Sahaabah nor the Taabi’een nor the four imams nor anyone else recognized such a day as part of their religion. Rather this festival was ... Continue Reading

Islamic Sources: Quran and Sunnah (part 2 of 2)

The religion of Islam is based upon the Quran (the Word of God) and the Sunnah (teachings and attributes of Prophet Muhammad). Part 2: Sunnah: The Secondary Source of Islam ... more

And tall date-palms, with ranged clusters

{And tall date-palms, with ranged clusters;} [Qaf 50:10]

{وَالنَّخْلَ بَاسِقَاتٍ لَّهَا طَلْعٌ نَّضِيدٌ} ق: 10
 
Transliteration: Waalnnakhla basiqatin laha talAAun nadeedun
 
This verse appears towards the beginning of Surat Qaf, a Makkan ...
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Allah’s sacred month of Muharram is a blessed and important month. It is the first month of the hijri calendar and is one of the four sacred months concerning which Allah says (interpretation of the meaning):

 
{Verily, the number of months with Allah is twelve months (in a year), so was ...
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The Jews' attempts to kill the Prophet (peace and blessings of Allaah be upon him) ... more

Preparing the Body of the Deceased

Etiquettes of the Prophet (Peace and Salutations be upon him) in Preparing the Body of the Deceased ... more

A Muslim's Nationality and His Belief

The day Islam gave a new concept of values and standards to mankind and showed the way to learn these values and standards, it also provided it with a new concept of human relationships. Islam came to return man to his Sustainer and to make His guidance t ... more

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