Interest and Riba
4,478 questions
Is withdrawing an end-of-service account with a 5% deduction from the amount for file expenses, and returning it to the company within 36 months without interest, considered usury?
What is the legal ruling on transferring money through an intermediary with whom an exchange rate is agreed upon via WhatsApp, and then the equivalent amount is deposited in another country? Is this transaction considered riba al-nasia (interest due to delay) or a constructive possession (qabd hukmi)? Is communication via WhatsApp considered a "session of possession" (majlis qabd)?
How can interest on paper currency be considered explicit usury, knowing that its value is variable and not linked to gold or silver, and that the value of the interest along with the principal may change amidst fluctuations in the value of paper currency, while prohibited usury is an increase on a fixed principal by a known increment?
How can one get rid of a usurious loan designated for purchasing an apartment in one's Muslim home country, knowing that the apartment is registered in his name and mortgaged to the bank for another 10 years?
What is the ruling on a car loan with interest that is paid from the interest on the client's certificates in the bank?
What is the ruling on paying interest resulting from inflation, such as paying an amount equal to a borrowed sum after five years due to a change in value, and is it permissible to take out a student loan that includes inflation interest?
Is the offer "Pay 200 Saudi Riyals and get petrol vouchers worth 210 Saudi Riyals and a free car wash" halal or haram?
Is it permissible for me to sell my residency in Europe to someone who is likely to use it for illicit purposes, such as obtaining an interest-based loan or evading taxes, in exchange for money?
Is working in an economic and social development "fund" - which provides easy loans to members by reducing interest and increasing grace and repayment periods, offers non-refundable aid and grants, distributes its profits among members while 10% goes to expenses and administration - permissible or impermissible?
What is the ruling on taking a loan without usurious interest, when one of its conditions is to provide a pro forma invoice for household electrical goods, knowing that there is no intention of buying these goods and that the loan will be used for other purposes? And what is the solution if it is impermissible?
What is the ruling on a wife working in a bank without helping her husband with household expenses, knowing that his income is sufficient?
Is it permissible to use a credit card to pay tuition fees, which would incur usurious interest if the amount is not paid on time, in order to avoid interrupting studies and consequently delaying marriage?
Is developing a program that facilitates applications for interest-bearing loans, whether for funding small projects or other types of loans, considered forbidden, knowing that the company I work for is merely the developer of the program and not the lending institution?
Is it permissible to borrow from the bank with interest to purchase an electrical appliance when money is not available?
Is it permissible to take a loan from a bank to buy a new house for a newlywed couple if they are unable to afford it, and will this affect their lives and cause God's displeasure?
What is the ruling on driving a car without a license due to a health impediment that prevents its issuance, knowing that the questioner is proficient in driving?
Is it permissible to levy a financial penalty on the buyer in the event of their delay in paying car installments, knowing that the sale is conducted through Islamic-compliant installments and does not include interest?
Is it permissible to lend a person $100 in exchange for him taking $95, with $5 taken as an upfront profit, on condition that he repays $95 when the debt is due?
What is the ruling on depositing money in a bank account with permissible profits to compensate for a loss resulting from the purchase of two cars, one of which was stolen and the other sold at a loss?
What is the ruling on purchasing a car through an interest-based bank via installment payments, and is the subsequent poor financial condition following the purchase evidence of the impermissibility of this transaction?
Is the amount returned by the bank at the end of the month, which is conditional upon spending a certain amount monthly, considered a discount on purchases or usury (riba) on the remaining funds in the card, and is it permissible to spend it on the poor if it is usury?
Is a girl's action of informing a young man of her desire to end an electronic relationship—which has not reached the stage of khalwa (private seclusion)—and her lack of interest in marrying him lawfully, considered Islamically permissible?
What is the ruling on a transaction that involves investing a sum of money in the foodstuff trade, with the condition of not specifying a fixed interest rate, and an agreement on a monthly percentage of the profits?
Is it permissible to pay off an old loan, taken to purchase a car essential for work, with a new loan at a lower interest rate, while increasing the amount of the new loan to obtain cash liquidity to pay off another debt, in order to avoid dismissal from work?