What is the ruling on purchasing an apartment under the ownership system from a government agency, if the payment of its price is made with a down payment, another upon receipt, and then the remainder is paid in installments over 20 years with an annual increase, through a government bank?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Purchasing the apartment in the manner described is not permissible, because the bank pays the installments and stipulates that the buyer repays an annual increase in return for the loan, and this is unanimously prohibited.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/82485
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 82485
- 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