What is the ruling on borrowing an amount from a friend to pay off a loan, then borrowing from the bank to return the amount to the friend?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
There is no harm in settling a loan with a loan from another party, and this is not considered the forbidden "overturning of a debt" (qalb al-dayn) if the financier and lender in the second debt is not the same as the owner of the first debt. There is also no objection to taking out new financing from the bank afterwards to benefit from it or settle debts, provided that the financing is -compliant.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/18928
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- Ftawy
- Original fatwa ID
- 18928
- Added here
- . 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