What is the ruling on buying a house with an interest-based bank loan if Muslims in Iran are given the choice between falling into bank usury once to buy a home, or falling into it annually when renting, where the tenant pays a monthly rent along with a loan (mortgage) that the homeowner returns at the end of the term? Which of the two is less harmful, and is it permissible for the tenant to fall into bank usury for a single time? And is giving this "mortgage" by the tenant considered usury?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
If the lessor takes a sum of money as a pledge (rahn) and the rulings of a pledge apply to it, then there is no harm in the transaction, and the pledgee (murtahin) may benefit from the pledge with the permission of the pledgor (rahin). As for borrowing with usury (riba), it is not permissible except out of a recognized Shariah necessity.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/150813
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 150813
- 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