What is the ruling on an employee selling his car mortgaged to the bank if the buyer pays its price in full or in installments, and the employee undertakes to pay the remaining installments to the bank without the bank's knowledge? And if the sale is forbidden, how can it be made permissible? And what are the consequences for the buyer in this situation?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Selling a mortgaged item without immediate payment of the mortgagee's right is a matter of scholarly disagreement: some consider it void, while others deem it valid but contingent upon the mortgagee's approval. According to the second opinion, it is permissible to purchase a mortgaged car, and the sale becomes effective after the mortgage is settled, provided that the price and the term (if any) are known.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
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- Ftawy
- Original fatwa ID
- 94145
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- . 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