Is it permissible to buy a house mortgaged to a usurious bank and pay its installments to the bank or directly to the homeowner to avoid dealing with the bank?
The question is vague, but a usurious loan is Islamically forbidden and must be avoided, as Allah Almighty says: "O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. And if you do not, then be informed of a war [against you] from Allah and His Messenger." Selling the house for an immediate price that meets the need is better than a usurious loan which destroys blessings. If buying the house from him will assist him in sin (such as paying off a usurious loan), then it is not permissible for you to do so, as Allah Almighty says: "And cooperate in righteousness and piety, but do not cooperate in sin and aggression." If he has mortgaged his house, it is not permissible to sell it without the bank's permission. However, if he did not mortgage his house and took a loan, then it is permissible for you to buy the house from him and pay the installments to him or to the bank, as long as you will only pay the price of the house without usurious interest.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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