Is it permissible to take out an interest-bearing loan from a non-Islamic country to complete the construction of a house in an Islamic country, by analogy with the fatwa that permits interest-bearing loans for purchasing a house in non-Islamic countries due to high rent and necessity?
It is true that necessity permits the forbidden, such as Riba (usury/interest), but on condition that the necessity is genuinely present, meaning that the individual reaches the point of perishing or near perishing if they do not partake of the forbidden. Also, the necessity must be current, not anticipated, and there must be no other means to دفع it. Therefore, borrowing with Riba to purchase a home for future residence is not considered a necessity that permits the forbidden.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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