What is the ruling on obtaining a loan without usurious interest, which requires a pro forma invoice for household electrical appliances that are not actually purchased, and then using the loan amount for purposes other than those mentioned in the invoice? And what is the solution if that is impermissible?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
If the lender stipulates that you must purchase appliances with this loan, or if he only lends to those who need these appliances, then it is not permissible to resort to deception by providing an invoice for another purpose. The loan must be used for the purpose stipulated, in accordance with the Prophet's (peace and blessings be upon him) saying: "Muslims are bound by their conditions."
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/18386
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 18386
- 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