What is the Sharia ruling on building and purchasing land with usurious loans, and is selling the house the only solution to this problem?
Usury is forbidden, whether in small or large amounts. A single dirham of usury is worse than thirty-six acts of adultery. Repentance is obligatory, and it is not permissible to engage in usury, even for someone in dire need.
Whoever has fallen into usury must repent, show remorse, and seek forgiveness. They should return the borrowed amount to the bank without interest if possible. If they are compelled to pay interest, the sin is upon those who impose it. It is preferable to disengage from the usurious transaction all at once. They are not obligated to sell their house.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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