Is taking a symbolic amount (5,000 dirhams) as a loan to guarantee the tenant's departure after one year, in addition to an annual rent (10,000 dirhams), with the full return of the symbolic amount after the period ends, considered a form of usury (riba)?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
It is not permissible to combine a sale and a loan. If a sale is conjoined with the condition of a loan, and there is benefit for the lender in that, such as a reduction in price, then it is a form of usury. The Prophet, peace and blessings be upon him, forbade combining the two, saying: "A loan and a sale are not lawful together." Stipulating a loan in a lease contract is not permissible. To guarantee rights, a check or a promissory note can be written.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/19158
Where this answer came from
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- Ftawy
- Original fatwa ID
- 19158
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy