What is the ruling on enrolling in an educational institute that offers two payment options: either paying in cash at a reduced price, or in installments at a higher price?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
If the institute agrees with the student on a specific fee, whether in cash or installments, there is no objection to that. However, if the payment method is not agreed upon before the contract, it is not permissible, because it falls under the category of "two sales in one sale" and leads to (uncertainty) which is forbidden by Islamic law, based on the Prophet's (peace be upon him) saying: "Whoever makes two sales in one sale, then he gets the lesser of them or usury." This ruling applies to (leasing/hiring) just as it applies to bay' (selling).
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/93123
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 93123
- 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