Is it permissible to take a loan from an interest-based bank with specific fees, based on a previous fatwa of yours, and what is the reason for the apparent contradiction with other fatwas?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
The clarifies that the lending entity is the state, not the bank, and that the fees taken by the bank are administrative expenses, not usurious interest. Genuine administrative expenses are distinguished by being fixed fees for a service, not changing with the loan amount, unlike interest, which is a percentage of the loan amount. Any increase beyond the actual services rendered is considered forbidden usury (riba).
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/138968
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- Ftawy
- Original fatwa ID
- 138968
- 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