What is meant by setting the deferred dowry at 40 gold liras for a period of two years, and must it be paid within this period, and is it permissible for the wife to waive it, and is the marriage considered invalid if the entire deferred dowry is not paid after the two years have passed?

The deferred dowry is the portion of it that is postponed. It is not necessary for there to be a deferred portion in the dowry, nor for it to be postponed by two years. Rather, it is permissible for it all to be immediate or deferred, and for it to be postponed by more or less than two years.

If the due date for the deferred dowry is set at two years, then the husband must pay it upon the expiration of the term if he is able and the wife does not agree to the delay. If he is not able, then the wife must delay it until the husband finds ease (financial ability), and it is better for her to waive it, based on the saying of Allah the Almighty: "And if there is one in [financial] hardship, then [let there be] postponement until [a time of] ease. But if you remit [it by way of charity] it is better for you, if you only knew."

If the husband is able to pay but does not, and she does not agree to the delay, then this is procrastination, which is forbidden, based on the saying of the Prophet, peace be upon him: "The procrastination of the rich is injustice."

Not paying the deferred dowry does not affect the marriage. If the wife waives the deferred dowry, that is valid and it is better and more conducive to affection.