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

Description of ‘Umrah

I want to know about ‘Umrah in detail.

Praise be to Allaah.   An act of worship cannot be accepted unless it meets two conditions:  1 – Sincerity towards Allaah alone, i.e., it is done to seek the Countenance of Allaah and the Hereafter, and is not done to show off, to enhance one’s reputation or for ... Continue Reading

They inherited wealth from their father and invested it in some business; how should they pay zakaah?

We are three sons, three daughters and a mother. We inherited 14,500 Jordanian dinars from our father and we invested this money in some business; every month we get 215 Jordanian dinars. Is any zakaah due on this amount, because this money belongs to everyone?.

Praise be to Allaah. Firstly:  The mother’s share of the estate is one-eighth. The rest is to be divided among the sons and daughters, with each male getting the share of two females. If we realise that the nisaab (minimum threshold) for zakaah is the value of 595 grams of ... Continue Reading

How should a surgeon pray?

I read your answer about prayer whilst doing surgery or afterwards. I work as a doctor and the day is very short in Canada during the winter; Maghrib comes at 5 p.m. Hence the time between the prayers is very short and I do not know how the surgeon can do his work when this time is very short. Hence I think it is better to make the prayers up afterwards. What is your opinion on that?

Praise be to Allaah.   It is obligatory to offer the prayers on time as enjoined by Allah, may He be exalted, and it is not permissible to delay them except in the case of an excuse that make it permissible to put prayers together. Allah, may He be exalted, says (interpretation of the ... Continue Reading

Is treating people equally unfairly justice?

There is a saying that treating people equally unfairly is justice; some people attribute this to the Messenger (blessings and peace of Allah be upon him) and some regard it as if it is a basic principle that cannot be changed. What is the Islamic ruling or how sound is this saying?.

  Praise be to Allaah. The saying that some people say, “treating people equally unfairly is justice” is false and is as far removed from the laws and religion of Allah as the East is from the West. Allah forbid that the Messenger of Allah (blessings and peace of Allah be ... Continue Reading

Sincerity and its benefits

What is sincerity, and what are the benefits of sincerity?

  Praise be to Allah, the Lord of the Worlds; and may His blessings and peace be upon our Prophet Muhammad and upon all his Family and Companions. Sincerity means: "Aiming when performing anything to please Allah, i.e. everything one does is for the Sake of Allah, Who has no ... Continue Reading

It is permissible to remove janaabah by means of tayammum when there is an excuse for that

Is it permissible to remove janaabah by means of tayammum?.

  Praise be to Allaah. If there is a reason for doing tayammum – such as non-availability of water, or being unable to use it because of sickness etc – then tayammum takes the place of wudoo’ and ghusl. So the person who is junub should do tayammum and pray, then ... Continue Reading

How does participating in Hajj affect the life of a Muslim?

How does participating in Hajj affect the life of a Muslim?

  Praise be to Allaah. Performing the rituals of Hajj has many virtues and there is a great deal of wisdom behind them. The one who is enabled to understand them and do them is blessed with a great deal of good. We will try to list as many as we can here.    Travelling ... Continue Reading

What do Muslims Believe?

What do Muslims Believe?
Muslims believe in one, unique, incomparable, and singular God, whose name in Arabic is "Allaah", literally meaning "The God"; in the angels created by Him; in the prophets through whom His revelations were brought to mankind; in God's complete authority over human destiny, and in life after ... Continue Reading

Is it haraam for a woman who is junub to cook or touch things?

My question is that how soon after havin sex should a bath be taken. We have heard that everythiong you do before having bath like walk or cook is haram.Is it ok to take bath before your next praye. God bless you for your services.
Praise be to Allaah.There is no set time limit within which a woman who is junub has to do ghusl. It has to do with the performance of prayers and other acts of worship where tahaarah (purity) is required. There is no harm in delaying ghusl until the time for the next prayer comes, so long as the ... Continue Reading

How to do ghusl from janaabah

How does one do ghusl (full ablution) to cleans oneself of janaabah (impurity following sexual activity)?
Praise be to Allaah.  There are two kinds of ghusl from janaabah – sufficient and complete. Sufficient ghusl means that you rinse your mouth and nose, then you wash your entire body with water, even if that means plunging yourself into deep water in one go. Complete ghusl means ... Continue Reading

Is there a du’aa’ to be said at the time of sahoor?

I was thought in my school that there is dua for iftiyari only n not for sahoor. for sahoor it's the intention in heart but my husband says there is dua for sahoor too. pls guide me to what is correct.

Praise be to Allaah. Yes, there are du’aa’s that are narrated in the Sunnah which the fasting person may say at the time of breaking the fast. He may say “Dhahaba al-zama’u wa abtalat al-‘urooq wa thabat al-ajru in sha Allaah (Thirst has gone, the veins are moist, ... Continue Reading
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