What is the ruling on buying a house through a bank if the seller pays 30% of its value to the bank without interest, on the condition that the bank sells it to the buyer in installments?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
It is not permissible for the seller to lend the buyer a sum of money so that the bank can purchase the house from him, because this loan is considered a loan that draws benefit for the seller, and lending is only permissible purely for the sake of Allah. Furthermore, for the purchase of a house through a bank to be permissible, the conditions of -compliant Murabaha must be met, such as the bank genuinely owning and guaranteeing the house, and then selling it to the buyer without a prior obligation for the buyer to purchase it.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/160393
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 160393
- 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