What is the ruling on owning a house from a bank through an Ijara contract, where the bank buys the house then leases it to me with a promise of ownership after the end of the lease term, noting that the bank takes a down payment, covers basic maintenance, and increases the installment if payment is delayed without cause, with the increment being disbursed to charitable organizations?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
All clauses of the Muntahiya Bittamleek (Lease Ending with Ownership) transaction are permissible, with the exception of the bank taking an increase on the installment in case of delay without a valid reason, even if this increase were to be disbursed to charitable organizations. Therefore, this transaction is not permissible if this condition is present.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/160403
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- Ftawy
- Original fatwa ID
- 160403
- 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