Is taking a loan from an institution with a small interest rate to buy an apartment, coupled with a subsidy of 12.5% of the borrowed amount, considered haram and usury (riba)? And does the sin fall on the husband alone, or on both of them, if the husband takes a loan from the bank with interest, and this is his only means to buy his share of the apartment?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
It is forbidden to purchase an apartment through an interest-bearing loan, because this loan is considered unlawful usury (riba). Allah has threatened those who deal in usury with severe punishment. Therefore, a Muslim must keep away from it. If the husband insists on taking a usurious loan, then the sin falls upon him alone.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/19008
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 19008
- 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