Fatwa: # 41334
Category: Business Matters
Country: Pakistan
Date: 24th October 2018


Purchasing a house on mortgage


Assalam o Alikum,

I want to ask that whether purchasing house on mortgage permisible in Islam ?

Thanks and regards,


In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

It is not permissible to purchase a house on mortgage as it entails riba (interest). [i]

You may refer to a reliable Mufti to assist you in purchasing a house through some Shariah modes of financing. [ii]

And Allah Ta’āla Knows Best

Muhammad I.V Patel

Student Darul Iftaa
Lusaka, Zambia 

Checked and Approved by,
Mufti Ebrahim Desai


[i] الهداية في شرح بداية المبتدي (3/ 61) 

لأن الربا هو الفضل المستحق لأحد المتعاقدين في المعاوضة الخالي عن عوض شرط فيه


الدر المختار وحاشية ابن عابدين (رد المحتار) (5/ 166)

(قوله كل قرض جر نفعا حرام) أي إذا كان مشروطا كما علم مما نقله عن البحر، وعن الخلاصة وفي الذخيرة وإن لم يكن النفع مشروطا في القرض، فعلى قول الكرخي لا بأس به

لأن الربا هو الفضل الخالي عن العوض، وحقيقة الشروط الفاسدة هي زيادة ما لا يقتضيه العقد ولا يلائمه فيكون فيه فضل خال عن العوض وهو الربا بعينه اهـ ملخصا



[ii] An Introduction to Islamic Finance by Mufti Taqi Uthmani Pg. 82

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