Is it considered usury if the borrower asks to buy an item from the lender in exchange for lending him money?
It is not permissible to give a loan on condition that a commodity is purchased from the lender, because it is a loan with a benefit for the lender and combines a sale and a loan. The Prophet, peace and blessings be upon him, forbade combining a sale and a loan.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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