What is the ruling of Islamic law on one who performs Hajj and Umrah by paying for the trip in installments? And is the Hajj or Umrah valid in this manner?

Hajj is one of the pillars of Islam and is obligatory for those who are financially and physically able. A person is not obliged to take a loan for Hajj, nor is it recommended, but if they do, their Hajj is valid. However, taking a usurious loan for Hajj is forbidden by Islamic law and is a grave sin, considered one of the major sins. While Hajj performed with ill-gotten money is valid from a jurisprudential perspective, it diminishes the reward of Hajj and is not considered a "Hajj Mabrur" (an accepted and meritorious Hajj).