What is the ruling on paying a down payment for a commodity to individuals who purchase it in installments from a merchant, and then the one who paid the down payment buys the commodity from them in cash at market price after deducting the down payment made?
This transaction—according to the description—is a loan in which the borrower is required to sell a commodity to the lender at an agreed-upon price. It is impermissible because the Prophet, peace and blessings be upon him, forbade sales combined with loans.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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