Is it permissible to enter into ownership of homes offered by the state through a lottery for low-income individuals in Turkey, whose monthly payments increase every six months according to the rise in employee wages?
It is permissible to sell houses in installments if the house is owned by the seller or will be owned by him before the actual sale to the customer, and the contract is free of usurious conditions and conditions that contradict its essence (such as stipulating a fine for delay or the non-transfer of ownership until the installments are paid). It is also stipulated that the price must be known and determined at the time of the contract, and selling for an unknown or variable price is not valid. If the state determines the price with controlled increases that can be calculated at the time of the contract, then there is no harm; however, if the increase is not known until later, then the sale is not valid due to the ambiguity of the price and the suspicion of usury. The Islamic Fiqh Council has prohibited selling at a variable price due to the ambiguity of the price and the suspicion of usury, while it permitted lease with variable rent under certain conditions, due to the difference between selling and leasing.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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