raat Q-TV maiN Dr Mahmood Ghaznavi ki mezbaani maiN deeni sawaal o jawaab k session maiN mufti sahab nay aik hadees sonayee jiss maiN Allah k Nabi saw nay farmaya hai k non-muslim say (qarz etc par) ezafi raqam lena 'sood' nahi kahlata aur aisee raqam jaiz hai........ delhi say aik sahab nay sawaal ki k onhouN nay apnay non-muslim employer ko deRh lakh rupees qarz diyeh haiN aur woh asal raqam k elawah monthly kuch raqam as per agreement lay rahay haiN to kia yeh sood hai aur haraam hai to mufti sahab nay above hadees k hawalay say kaha k aap issay sood nah samjhaiN aur yeh izafi raqam lena aap k liyeh jaiz hai.
to kia iss tarah non-muslim banks etc maiN fixed deposit raqam par monthly 'monafaa' bhi jaiz hoga aur sood k zimray maiN nahi aayega. yaa issi tarah non-muslim maaliyaati aadroun maiN investment karna fixed izafai raqoom k hasool k liyeh jaiz hoga. please search above hadees and give your comments.
thanx
Full Version: Halal Sood
hmm.. cant say yeh to kisi alim e din say hi poochna paray ga.... waisay hai kafi ajeeb baat
USUF Bhai I have heard that hadith before in QTV programme. as per HADITH off course there is no doubt about it,, n is base par UK main rahnay walay ju mortgage par ghar waghaira laitay hain, that will b JAIZ also... b/c I hve discussed it with my friends, n my point of view is- k Banks ki apni raqam naheen houtee.. woh tu apnaay customers ki raqam aap ko daitay haain , n if all of bank's customers are non-muslims then u might b able to take 'interest' laikin where will u find such a bank..... kiyoon k har jagha muslim customers bhi haain us k n un ki raqam bhi shamil hay so in true sense thats not fully non-muslim people u r dealing with...
waisay is baat par main nay tasqeek k liyay apnay aik bazurg sy rahnumaye bhi le the jinoon nay aik mufti sahib say pocha thaa rahim-yar-khan main.. unhoon nay mana kar diya thaa aisee raqam k iterest lainay k liyay
waisay is baat par main nay tasqeek k liyay apnay aik bazurg sy rahnumaye bhi le the jinoon nay aik mufti sahib say pocha thaa rahim-yar-khan main.. unhoon nay mana kar diya thaa aisee raqam k iterest lainay k liyay
aik aur baat jis ka pahlaay yahan discusion bhi hu chukee hay HC main,, k islamic loan (mortgage) , n I m still confused k woh bhi liya jaa sakta hay k naheen.. kiyoon k 2 b honest in countries main price itnee ziada hay k koi bhi yak-musht adayegi naheen kar sakta untill unless woh foot ball player hu n millio0ns/wk kamata hu... so loug 25 yrs tak k liyay mortgage laitay haain... n us ghar k ilawa kisi ka koi balance nahen houta......
so is lihaaz say as I m renting at the moment , I will never b able to make any savings........b/c rent to zaaya hi jaata hay......
so is lihaaz say as I m renting at the moment , I will never b able to make any savings........b/c rent to zaaya hi jaata hay......
Ruling on taking ribaa from deposit accounts in kaafir banks
Question:
My question is regarding to someone's problem who is very nearly person of mine.The question is that the country where I am from there are some companies they have some monthly income schemes. In which they deposite money as fixed asset and on that they gave monthly profit and there is no change in the deposited amount. I like to know that in the light of Islam is this way of having income is Halal or not and can a widow use this income to support herself and family expenses?
Answer:
Praise be to Allaah.
A similar question was sent to the Standing Committee for Academic Research and Issuing Fatwas (al-Lajnah al-Daa’imah li’l-Buhooth al-‘Ilmiyyah wa’l-Iftaa’). The text of the question was as follows:
Al-Ummah magazine has published a fatwa on financial matters conducted in western countries and in daar al-harb [non-Muslim countries which are in a state of hostility against Islam]. Imaam Abu Haneefah stated that it was permissible to take riba from al-harbiyeen in daar al-harb, and that every contract or transaction which was beneficial to Muslims was valid, so long as it was based on mutual consent and involved no deception or betrayal. If this is true, it would be helpful to some Muslims in France, because the donations that come to us stay in the bank for months before the time comes to use them, and no one benefits from the accumulating interest apart from the bank with which we are dealing. If this fatwa is correct we can make use of the interest paid to us on our money in daar al-harb, and at least give it to the poor and needy, if no one else. And our intention is for the sake of Allaah.
The Standing Committee, under the leadership of Shaykh ‘Abd al-‘Azeez ibn Baaz (may Allaah have mercy on him) replied as follows:
Firstly, financial transactions and mutual exchanges of benefits between us and the kuffaar are valid so long as they meet the conditions of transactions set out in Islamic sharee’ah.
Secondly, dealing in ribaa is absolutely haraam, whether it is among Muslims or between Muslims and kaafirs, whether they are harbiyeen or not. And Allaah knows best.
QUOTE(saima56 @ May 2 2008, 01:44 PM) [snapback]2851307[/snapback]
Ruling on taking ribaa from deposit accounts in kaafir banks
Question:
My question is regarding to someone's problem who is very nearly person of mine.The question is that the country where I am from there are some companies they have some monthly income schemes. In which they deposite money as fixed asset and on that they gave monthly profit and there is no change in the deposited amount. I like to know that in the light of Islam is this way of having income is Halal or not and can a widow use this income to support herself and family expenses?
Answer:
Praise be to Allaah.
A similar question was sent to the Standing Committee for Academic Research and Issuing Fatwas (al-Lajnah al-Daa’imah li’l-Buhooth al-‘Ilmiyyah wa’l-Iftaa’). The text of the question was as follows:
Al-Ummah magazine has published a fatwa on financial matters conducted in western countries and in daar al-harb [non-Muslim countries which are in a state of hostility against Islam]. Imaam Abu Haneefah stated that it was permissible to take riba from al-harbiyeen in daar al-harb, and that every contract or transaction which was beneficial to Muslims was valid, so long as it was based on mutual consent and involved no deception or betrayal. If this is true, it would be helpful to some Muslims in France, because the donations that come to us stay in the bank for months before the time comes to use them, and no one benefits from the accumulating interest apart from the bank with which we are dealing. If this fatwa is correct we can make use of the interest paid to us on our money in daar al-harb, and at least give it to the poor and needy, if no one else. And our intention is for the sake of Allaah.
The Standing Committee, under the leadership of Shaykh ‘Abd al-‘Azeez ibn Baaz (may Allaah have mercy on him) replied as follows:
Firstly, financial transactions and mutual exchanges of benefits between us and the kuffaar are valid so long as they meet the conditions of transactions set out in Islamic sharee’ah.
Secondly, dealing in ribaa is absolutely haraam, whether it is among Muslims or between Muslims and kaafirs, whether they are harbiyeen or not. And Allaah knows best.
Jazak Allah n thanx for sharing above fatwa.
lekin maiN to mazeed confuse hogeya houN... mazkoorah hadees ki sanad /authenticity kia hai... iska koi hawalah aur mohaddeseen ki iss k baray maiN kia roy hai. kia yeh zaeef hadees hai. yaa iss hadees ko deger ahadees mansookh karti haiN, as bro tahir said k yeh hadees apni jagah sahi hai.
Har din koi na koi aesi baat sun'ne ko mil jaati hay ke confusion barh jaati hay ...
Mera question ye hay ke ....as v charge Credit cards hea...Baghair credit ke to yahan per kuch bhi nai milta...har cheez ke liye u have to build credit first.....Sawal ye hay ke as if i charge my credit card n pay ma bill before due date ...without ne intrest .....to kya ye bhi Gunah hoga ke mein ne money to ek non-muslim bank se li....it is so confusing ...but see am not paying ne intrest .....to is ke bare mein aap loog kya kaho ge?
plzzz guide me ...as u always did ...Thanks Bhai
QUOTE(Forever Green @ May 2 2008, 08:42 PM) [snapback]2852649[/snapback]
Har din koi na koi aesi baat sun'ne ko mil jaati hay ke confusion barh jaati hay ...
Mera question ye hay ke ....as v charge Credit cards hea...Baghair credit ke to yahan per kuch bhi nai milta...har cheez ke liye u have to build credit first.....Sawal ye hay ke as if i charge my credit card n pay ma bill before due date ...without ne intrest .....to kya ye bhi Gunah hoga ke mein ne money to ek non-muslim bank se li....it is so confusing ...but see am not paying ne intrest .....to is ke bare mein aap loog kya kaho ge?
plzzz guide me ...as u always did ...Thanks Bhai
so why don't u use debit card, instead of credit card?? I haven't used credit card for more than a year now...
QUOTE(Abu Adnan @ May 2 2008, 08:03 PM) [snapback]2852300[/snapback]
Jazak Allah n thanx for sharing above fatwa.
lekin maiN to mazeed confuse hogeya houN... mazkoorah hadees ki sanad /authenticity kia hai... iska koi hawalah aur mohaddeseen ki iss k baray maiN kia roy hai. kia yeh zaeef hadees hai. yaa iss hadees ko deger ahadees mansookh karti haiN, as bro tahir said k yeh hadees apni jagah sahi hai.
lekin maiN to mazeed confuse hogeya houN... mazkoorah hadees ki sanad /authenticity kia hai... iska koi hawalah aur mohaddeseen ki iss k baray maiN kia roy hai. kia yeh zaeef hadees hai. yaa iss hadees ko deger ahadees mansookh karti haiN, as bro tahir said k yeh hadees apni jagah sahi hai.
Abu Adnan Bhai mere nazar sa koi aise "authentic" hadith nahi guzri jiss mai aise baat ho agar aap ka paas aise ya kissi ka paas hadith with referece ho to paish kara. haan fatwa jaat zaroor guzra hai magar woo kissi hadith ka base per nahi. riba sirf apni zati hasiat mai bura nahi balka yeh aik nizam ka toor per bura hai aur yeh nizam jiss ko hum nizam-e-sood kehta hain mashra ko tabahi ka dahana per la jata hai. yeh individual ka ka lehaz sa bhi haram to hai magar as a system iss ki burioon ka bais Allah na iss ko haram qarar dia hai. jabhi Quran mai aata hai
“but whoever returns (to Ribaa), such are the dwellers of the Fire — they will abide therein”
[al-Baqarah 2:275]
“And if you do not do it, then take a notice of war from Allaah and His Messenger”
[al-Baqarah 2:279]
translation
{اور جو كوئى ( اس كى طرف ) دوبارہ پلٹے يہى جہنمى ہيں، اس ميں ہميشہ ہميشہ رہيں گے}
اور ايك دوسرے مقام پر فرمايا:
{اگر وہ ايسا نہيں كرتے تو پھر اللہ تعالى اور اس كے رسول ( صلى اللہ عليہ وسلم ) كى جانب سے اعلان جنگ ہے}
اور اس ليے بھى كہ: رسول كريم صلى اللہ عليہ وسلم نے سود كھانے اور كھلانےاور اس كے دونوں گواہوں اور اسے لكھنے والے پر لعنت فرمائى ہے.
u can also take a look of mufti taqi usmani fatwa also regarding this issue
http://www.albalagh.net/qa/riba.shtml
Riba in Dar-ul-Harb
By Mufti Taqi Usmani
Q1.) Is it permissible to obtain an interest based loan for a home in America on the basis that America is Dar-ul-Harb? I understand that a Mufti from Deoband gave a fatwa saying it is permissible for Muslims in India to give and receive loans on interest since India is Dar-ul-Harb. If it is permissible, on what basis and are there any restrictions? This is a very big issue in the US since Muslims cannot purchase homes on interest, there are no interest free banks and rentals for flats are the same as paying mortgages. [Junaid Noormohamed. Chicago, IL, USA]
A1.) Although some past jurists were of the vew that riba transactions with non-Muslims in Dar-ul-Harb are not impermissible yet this minority view did never find favour with the bulk of the Muslim jurists throughout the world. Their main argument is that the prohibitions imposed by the Holy Quran are of universal nature and do not differ from country to country. For example, drinking or selling wine to non-Muslims in a non-Muslim country is as prohibited as it is in a Muslim country. Likewise adultery and @@@ion in a non-Muslim country is as impermissible as in a Muslim country. The case of riba is not different on this score. Its prohibition stands operative throughout the world, therefore, it is not allowed for a Muslim to transact on the basis of riba even when he is in a non-Muslim country which is termed as Dar-ul-Harb. Therefore, it is not permissible for Muslims living in the Western countries to enter into a loan transaction based on interest even for the purpose of acquiring a home. That is why Muslims in these countries are trying to establish their own institutions for house financing. A number of such institutions have been established in North America and U.K.
Q2.) Please clarify for me the exact Hanafi position on the taking of interest from the kuffar in dar-ul-harb. Is it permissible to take advantage of the interest offered freely by these people or not? What do the ulema say about the passages in Fathul Qadeer and Shami which appear to state that the Hanafi position (at least that of tarfain) is that it is permissible to take advantage of this when the benefit is for the Muslim? If it is not permissible then please explain these texts and the hadith "la riba bain al harbi wal Muslim" on which they are based.
If someone takes interest from the kuffar on this ruling is he committing haram or makrooh act? If it is permissible then can this money be used to fund the activities of Muslims in these countries for the sake of deen such as setting up Muslim schools etc. I do not require a fatwa but merely the opinion of the ulema such as Mufti Taqi Sahib, as I realize that sometimes their opinions may be different from the legal fatwa which is required for the people. [Molvi Nazim Ali]
A2.) Transaction of interest with the non-Muslims in Darul Harb was allowed by Imam Abu Hanifa subject to certain conditions but the majority of the Fuqaha including the Hanafi jurists have not accepted it and the Fatwa has always been given on its impermissibility. You can find full discussion on this subject in the detailed treatise written by Maulana Zafar Ahmad Usmani under the title "Kashf-al-Dujah" which is published in 3rd volume of Imdad-ul-Fatawa which you may please consult for the details.
However, even following the majority view of the impermissibility of Riba in Darul Harb the interest received from Darul Harb can be used for charitable purposes like helping the needy persons who are entitled to receive Zakat but in no way the amount of interest can be used for one's own benefit.
http://www.albalagh.net/qa/riba.shtml
Riba in Dar-ul-Harb
By Mufti Taqi Usmani
Q1.) Is it permissible to obtain an interest based loan for a home in America on the basis that America is Dar-ul-Harb? I understand that a Mufti from Deoband gave a fatwa saying it is permissible for Muslims in India to give and receive loans on interest since India is Dar-ul-Harb. If it is permissible, on what basis and are there any restrictions? This is a very big issue in the US since Muslims cannot purchase homes on interest, there are no interest free banks and rentals for flats are the same as paying mortgages. [Junaid Noormohamed. Chicago, IL, USA]
A1.) Although some past jurists were of the vew that riba transactions with non-Muslims in Dar-ul-Harb are not impermissible yet this minority view did never find favour with the bulk of the Muslim jurists throughout the world. Their main argument is that the prohibitions imposed by the Holy Quran are of universal nature and do not differ from country to country. For example, drinking or selling wine to non-Muslims in a non-Muslim country is as prohibited as it is in a Muslim country. Likewise adultery and @@@ion in a non-Muslim country is as impermissible as in a Muslim country. The case of riba is not different on this score. Its prohibition stands operative throughout the world, therefore, it is not allowed for a Muslim to transact on the basis of riba even when he is in a non-Muslim country which is termed as Dar-ul-Harb. Therefore, it is not permissible for Muslims living in the Western countries to enter into a loan transaction based on interest even for the purpose of acquiring a home. That is why Muslims in these countries are trying to establish their own institutions for house financing. A number of such institutions have been established in North America and U.K.
Q2.) Please clarify for me the exact Hanafi position on the taking of interest from the kuffar in dar-ul-harb. Is it permissible to take advantage of the interest offered freely by these people or not? What do the ulema say about the passages in Fathul Qadeer and Shami which appear to state that the Hanafi position (at least that of tarfain) is that it is permissible to take advantage of this when the benefit is for the Muslim? If it is not permissible then please explain these texts and the hadith "la riba bain al harbi wal Muslim" on which they are based.
If someone takes interest from the kuffar on this ruling is he committing haram or makrooh act? If it is permissible then can this money be used to fund the activities of Muslims in these countries for the sake of deen such as setting up Muslim schools etc. I do not require a fatwa but merely the opinion of the ulema such as Mufti Taqi Sahib, as I realize that sometimes their opinions may be different from the legal fatwa which is required for the people. [Molvi Nazim Ali]
A2.) Transaction of interest with the non-Muslims in Darul Harb was allowed by Imam Abu Hanifa subject to certain conditions but the majority of the Fuqaha including the Hanafi jurists have not accepted it and the Fatwa has always been given on its impermissibility. You can find full discussion on this subject in the detailed treatise written by Maulana Zafar Ahmad Usmani under the title "Kashf-al-Dujah" which is published in 3rd volume of Imdad-ul-Fatawa which you may please consult for the details.
However, even following the majority view of the impermissibility of Riba in Darul Harb the interest received from Darul Harb can be used for charitable purposes like helping the needy persons who are entitled to receive Zakat but in no way the amount of interest can be used for one's own benefit.
QUOTE(tihami @ May 2 2008, 01:54 PM) [snapback]2852790[/snapback]
so why don't u use debit card, instead of credit card?? I haven't used credit card for more than a year now...
if i will charge ma Debit card den wont be able to build credit...i charge credit cards cuz want to build sum credit so cab buy house hea.... as u kno widout any credit u aint do nothing....
n da thing i was believin in was ...dat if am not payin intrest is it still not good to charge credit card.... it is like i take money from sum1 n return it bak afatr few days without no intrest.....
Wat u say Bhai ?
QUOTE(Forever Green @ May 3 2008, 09:29 PM) [snapback]2854413[/snapback]
if i will charge ma Debit card den wont be able to build credit...i charge credit cards cuz want to build sum credit so cab buy house hea.... as u kno widout any credit u aint do nothing....
n da thing i was believin in was ...dat if am not payin intrest is it still not good to charge credit card.... it is like i take money from sum1 n return it bak afatr few days without no intrest.....
Wat u say Bhai ?
n da thing i was believin in was ...dat if am not payin intrest is it still not good to charge credit card.... it is like i take money from sum1 n return it bak afatr few days without no intrest.....
Wat u say Bhai ?
iss maiN ulemaa.e.karaam ki 2 roy haiN.
1) credit card as whole haram hai. kiyouNkay iski bunyaad maiN interest shamil hai. khaah aap interest pay karaiN yaa nahi....
2) aksar ulemaa ka khayaal hai k if u can avoid to use it, avoid it... lekin agar naa.guzeer ho to aap use karsaktay haiN, magar within time limit pay back kar daiN takay interest nah dena paray. it is JAIZ with karahat........ kiyouNkay poora banking system bhi to interest par chal raha hai aur hum bahar haal banking system ko use kartay haiN k iskay beghair charaah nahi. lekin dil maiN karahat zaroor hoti hai. aur yeh imaan 'khatam' nahi hona chahiyeh k sood /soodi nizaam haraam hai.
chouNkay credit card ki hurmat par taa haal ajmaa.e.ummat nahi... lehaza issay kulli taur par (like drinking alcohol) HARAM nahi qarar dia jasakta. dil maiN isay bora janaiN, jahaaN tak mumkin ho avoid karaiN, jahaaN naa.guzeer ho use karaiN aur without interest pay back ko yaqeeni banayaiN.
wallah o alam bissawaab
QUOTE(Abu Adnan @ May 3 2008, 09:14 PM) [snapback]2854873[/snapback]
iss maiN ulemaa.e.karaam ki 2 roy haiN.
1) credit card as whole haram hai. kiyouNkay iski bunyaad maiN interest shamil hai. khaah aap interest pay karaiN yaa nahi....
2) aksar ulemaa ka khayaal hai k if u can avoid to use it, avoid it... lekin agar naa.guzeer ho to aap use karsaktay haiN, magar within time limit pay back kar daiN takay interest nah dena paray. it is JAIZ with karahat........ kiyouNkay poora banking system bhi to interest par chal raha hai aur hum bahar haal banking system ko use kartay haiN k iskay beghair charaah nahi. lekin dil maiN karahat zaroor hoti hai. aur yeh imaan 'khatam' nahi hona chahiyeh k sood /soodi nizaam haraam hai.
chouNkay credit card ki hurmat par taa haal ajmaa.e.ummat nahi... lehaza issay kulli taur par (like drinking alcohol) HARAM nahi qarar dia jasakta. dil maiN isay bora janaiN, jahaaN tak mumkin ho avoid karaiN, jahaaN naa.guzeer ho use karaiN aur without interest pay back ko yaqeeni banayaiN.
wallah o alam bissawaab
1) credit card as whole haram hai. kiyouNkay iski bunyaad maiN interest shamil hai. khaah aap interest pay karaiN yaa nahi....
2) aksar ulemaa ka khayaal hai k if u can avoid to use it, avoid it... lekin agar naa.guzeer ho to aap use karsaktay haiN, magar within time limit pay back kar daiN takay interest nah dena paray. it is JAIZ with karahat........ kiyouNkay poora banking system bhi to interest par chal raha hai aur hum bahar haal banking system ko use kartay haiN k iskay beghair charaah nahi. lekin dil maiN karahat zaroor hoti hai. aur yeh imaan 'khatam' nahi hona chahiyeh k sood /soodi nizaam haraam hai.
chouNkay credit card ki hurmat par taa haal ajmaa.e.ummat nahi... lehaza issay kulli taur par (like drinking alcohol) HARAM nahi qarar dia jasakta. dil maiN isay bora janaiN, jahaaN tak mumkin ho avoid karaiN, jahaaN naa.guzeer ho use karaiN aur without interest pay back ko yaqeeni banayaiN.
wallah o alam bissawaab
Thank u sooooooo Much Bhai ...
Leme explain y do i use Credit card..
Dere r 2 reasons..
1) Wen eva u charge Debit card hea ....dere is sum transaction fee every time wen u charge debit card.... n i do have to charge ma cards atleast 2 or 3 times per day so if i charge debit cards every time ...at di end of di month i would have to pay a lil amount of charging debit card...
(dere was another question in ma mind dat ....wat is a transaction fee.... y do dey charge it ....n is it not a kina intrest? ...even though dey charge it on ur own money but da bank policy)
2) second reason is if i pay wid ma check... so dere r also 2 problems...1 is...sum time u r really in rush n dont have time to write a check just want to swipe a card n go home.... 2nd is wen u cut a check as i do print ma checks on ma choice so each check is again for 55 Cents.... again if i start cuttin checks i will have to pay for sumthing dat i can avoid easily by paying wid credit cards...
Wen i charge credit card ...... i always pay on time n Alhamdulliah never paid no intrest ever.... so m i still be eligiable to charge credit card with ma reasons or i have to stop charging credit cards though its not HARAM in Islam as u said...
Please guide me...
Thank u Bhai
QUOTE(Forever Green @ May 5 2008, 05:18 PM) [snapback]2857767[/snapback]
Thank u sooooooo Much Bhai ...
Leme explain y do i use Credit card..
Dere r 2 reasons..
1) Wen eva u charge Debit card hea ....dere is sum transaction fee every time wen u charge debit card.... n i do have to charge ma cards atleast 2 or 3 times per day so if i charge debit cards every time ...at di end of di month i would have to pay a lil amount of charging debit card...
(dere was another question in ma mind dat ....wat is a transaction fee.... y do dey charge it ....n is it not a kina intrest? ...even though dey charge it on ur own money but da bank policy)
2) second reason is if i pay wid ma check... so dere r also 2 problems...1 is...sum time u r really in rush n dont have time to write a check just want to swipe a card n go home.... 2nd is wen u cut a check as i do print ma checks on ma choice so each check is again for 55 Cents.... again if i start cuttin checks i will have to pay for sumthing dat i can avoid easily by paying wid credit cards...
Wen i charge credit card ...... i always pay on time n Alhamdulliah never paid no intrest ever.... so m i still be eligiable to charge credit card with ma reasons or i have to stop charging credit cards though its not HARAM in Islam as u said...
Please guide me...
Thank u Bhai
well mairay khyaal main AA bhai ki baat sahee hay ,, k agar ashad zarorat hu tu use kar laain... but then u have to define ''ashad zaroorat'' .. it is like ,,,,,, e.g I m in desperate need to buy some thing and I don't have that amount in my account at that time n I know that gonna get pay in few daz time then I think I may use credit card b/c I am going to pay them back still in time without intrest,...
2nd thing ( don't mind that) u r using credit card to build ur credit rating so that u can buy a house--------- then taking loan from bank will definitely involve intrest any way.... isn't it?? or u have a way to hve intrest free loan??
QUOTE(tihami @ May 5 2008, 10:37 AM) [snapback]2857838[/snapback]
well mairay khyaal main AA bhai ki baat sahee hay ,, k agar ashad zarorat hu tu use kar laain... but then u have to define ''ashad zaroorat'' .. it is like ,,,,,, e.g I m in desperate need to buy some thing and I don't have that amount in my account at that time n I know that gonna get pay in few daz time then I think I may use credit card b/c I am going to pay them back still in time without intrest,...
2nd thing ( don't mind that) u r using credit card to build ur credit rating so that u can buy a house--------- then taking loan from bank will definitely involve intrest any way.... isn't it?? or u have a way to hve intrest free loan??
2nd thing ( don't mind that) u r using credit card to build ur credit rating so that u can buy a house--------- then taking loan from bank will definitely involve intrest any way.... isn't it?? or u have a way to hve intrest free loan??
Jee Bhai ....u r rite ...i do want to build ma credit .... n + da 2 reasons i gave above...
Again ... I dont know yet if dere is any way of gettin loan widout intrest, but, is it really dat hard to buy house ...i mean so we Muslims cant buy house ever inhea... Or to buy house will come in catagory of desprate need?
QUOTE(Abu Adnan @ May 1 2008, 09:48 AM) [snapback]2849369[/snapback]
raat Q-TV maiN Dr Mahmood Ghaznavi ki mezbaani maiN deeni sawaal o jawaab k session maiN mufti sahab nay aik hadees sonayee jiss maiN Allah k Nabi saw nay farmaya hai k non-muslim say (qarz etc par) ezafi raqam lena 'sood' nahi kahlata aur aisee raqam jaiz hai........ delhi say aik sahab nay sawaal ki k onhouN nay apnay non-muslim employer ko deRh lakh rupees qarz diyeh haiN aur woh asal raqam k elawah monthly kuch raqam as per agreement lay rahay haiN to kia yeh sood hai aur haraam hai to mufti sahab nay above hadees k hawalay say kaha k aap issay sood nah samjhaiN aur yeh izafi raqam lena aap k liyeh jaiz hai.
to kia iss tarah non-muslim banks etc maiN fixed deposit raqam par monthly 'monafaa' bhi jaiz hoga aur sood k zimray maiN nahi aayega. yaa issi tarah non-muslim maaliyaati aadroun maiN investment karna fixed izafai raqoom k hasool k liyeh jaiz hoga. please search above hadees and give your comments.
thanx
to kia iss tarah non-muslim banks etc maiN fixed deposit raqam par monthly 'monafaa' bhi jaiz hoga aur sood k zimray maiN nahi aayega. yaa issi tarah non-muslim maaliyaati aadroun maiN investment karna fixed izafai raqoom k hasool k liyeh jaiz hoga. please search above hadees and give your comments.
thanx
hmmmmmm main is kay baray main nai kaha sakta. Likin dayka jay to I don't think yeh theek hai. kyun kay Hum to muslim hain. aur raqam daynay aur laynay main boohat faraq hai. Kia khayal hai????
QUOTE(Forever Green @ May 5 2008, 07:06 PM) [snapback]2857846[/snapback]
Jee Bhai ....u r rite ...i do want to build ma credit .... n + da 2 reasons i gave above...
Again ... I dont know yet if dere is any way of gettin loan widout intrest, but, is it really dat hard to buy house ...i mean so we Muslims cant buy house ever inhea... Or to buy house will come in catagory of desprate need?
Again ... I dont know yet if dere is any way of gettin loan widout intrest, but, is it really dat hard to buy house ...i mean so we Muslims cant buy house ever inhea... Or to buy house will come in catagory of desprate need?
main bhi aap hi ki situation say guzar raha hoon... mairay kuch doostoon nay mortgage par ghar bhi liay hoaay haain.. I m in UK for 5 yrs now n renting since than....
again it depends wat do u say ''desprate need'' as per one mufti sahib '' ashad zaroorat tab kah saktay haain k agar aisa na kiaa tu ham ghar say bay-ghar hu kar bahir road par a jayain gey----n aisee soorat-e-hal maghrabi mumalik main nahen '' b/c one can have any sort of house jz on rent. ISLAMIC mortgage jis ko woh kahtay hain k ''shariyay compatible'' available hay laikin us par bhi ulma-e-karam ka ittefaaq naheen hay....
I jz know one thing k agar intrest say bachnaay ki gharz say hmaaree saree zindagee bhi rent kartay hoaay guzar gayee n koi property na bhi bana sakay tu INSHA-ALLAH ALLAH ta'la jannat-ul-firdoos main us ka na;m-ul-badal zaroor ata farmaay ga.....
as ALLAH says jis ka mafhoom hay'' ju ALLA k samnaay kharay hounay say dar gaya us k liyay 2 jannataain haain ''
think it broadly ,, for that ever lasting life, rather than this short life in which v don't know whether we will b able to take next breath....
Sood to muslims k liye haram tha aur hai aur rahay ga chahay muslims se liya jaye ya non muslims se ya chahay uss k liye naye naye tareekay dhoond liye jaain ya chahay uskay sath "islami" ka saabqa ya laahaqa laga diya jaaye Islam ki taleemaat iss par wazeh hain......
Islam ki taleemaat iss par wazeh hain......
Forever Green aap befikar ho k credit card use kijiye, no gunah in using it.....
Forever Green aap befikar ho k credit card use kijiye, no gunah in using it.....
Ya aik Hadith share karna chata hon app tamam hazraat say umeed hay Inshallah is may sab ko apnay apnay jawab mil jain gain
Jazak Allah
Jazak Allah
QUOTE(Daylight @ May 11 2008, 02:51 PM) [snapback]2867504[/snapback]
Forever Green aap befikar ho k credit card use kijiye, no gunah in using it.....
Thanks for clearing dat up
QUOTE(Daylight @ May 12 2008, 02:51 AM) [snapback]2867504[/snapback]
Forever Green aap befikar ho k credit card use kijiye, no gunah in using it.....
lol ab to daarul-iftaa HC par mufti Daylight ka FATWA bhi aagaya hai.... ab to masla hi hal hogaya hai.
QUOTE(Forever Green @ May 20 2008, 01:57 AM) [snapback]2878978[/snapback]
Thanks for clearing dat up
QUOTE(Abu Adnan @ May 22 2008, 11:26 PM) [snapback]2884836[/snapback]
..................................... 
QUOTE(Abu Adnan @ May 23 2008, 11:22 AM) [snapback]2884832[/snapback]
lol ab to daarul-iftaa HC par mufti Daylight ka FATWA bhi aagaya hai.... ab to masla hi hal hogaya hai.
lolz ryt
Yeh sab Tv k 250rp or cable net k 500rp ka kamal hai
QUOTE(Abu Adnan @ May 23 2008, 11:22 AM) [snapback]2884832[/snapback]
lol ab to daarul-iftaa HC par mufti Daylight ka FATWA bhi aagaya hai.... ab to masla hi hal hogaya hai.
Chalein aap sood ki definition saada alfaaz mein bataain aur phir batain k credit card kesay uss mein aata hai aur phir teesri aur sub se aham cheez k zara ye bataain k jab poora system hi soodi nizam par chal raha ho aur uska ek hissa bhi uss se khali na ho to iss baray mein mostly ulama ki rai kya hai....... aap inn teen sawalaat k jawaab dijiye ya kam az kam apnay zehan mein sochiye to apko khud hi iss "fatway" aur "mufti" ki phhabti kasne ki haqeeqat ka ilm ho jaye ga
Ab please uss soodi "islamic banking" ka naam matt lijiye ga jissay aap kayi baar yahan "islami" saabit karne ki koshish kar chukay QUOTE(Daylight @ May 24 2008, 03:17 AM) [snapback]2885647[/snapback]
Chalein aap sood ki definition saada alfaaz mein bataain aur phir batain k credit card kesay uss mein aata hai aur phir teesri aur sub se aham cheez k zara ye bataain k jab poora system hi soodi nizam par chal raha ho aur uska ek hissa bhi uss se khali na ho to iss baray mein mostly ulama ki rai kya hai....... aap inn teen sawalaat k jawaab dijiye ya kam az kam apnay zehan mein sochiye to apko khud hi iss "fatway" aur "mufti" ki phhabti kasne ki haqeeqat ka ilm ho jaye ga Ab please uss soodi "islamic banking" ka naam matt lijiye ga jissay aap kayi baar yahan "islami" saabit karne ki koshish kar chukay
Ab please uss soodi "islamic banking" ka naam matt lijiye ga jissay aap kayi baar yahan "islami" saabit karne ki koshish kar chukay 
DL bhai ... aap to mujhay woh wali hadees 'search' karkay bataayaiN jo Q TV k mufti sahab nay sonayee thee, jiski wajah say yeh post ki gayee.... woh hadees kaunsee aur kahaaN hai... baqi sood / credit card par to aap hc par bahoot kuch pahlay bhi likh chukay haiN. nothing new 4 us.... albattah yeh 'hadees' kuch 'munfarid' nazar aarahi hai. can u search it?
QUOTE(Abu Adnan @ May 24 2008, 10:33 AM) [snapback]2885869[/snapback]
DL bhai ... aap to mujhay woh wali hadees 'search' karkay bataayaiN jo Q TV k mufti sahab nay sonayee thee, jiski wajah say yeh post ki gayee.... woh hadees kaunsee aur kahaaN hai... baqi sood / credit card par to aap hc par bahoot kuch pahlay bhi likh chukay haiN. nothing new 4 us.... albattah yeh 'hadees' kuch 'munfarid' nazar aarahi hai. can u search it?
Hmmm awwal to muje tv dekhe hi arsa ho gaya ab
doosray jo baat hadith mein quote ki gai hai wo bilkul nayi baat hai aur aaj tak kisi allama kisi mufti kisi aalim e deen se aisi baat nahin suni na parhi lehaza isko Q TV walay unn sahib ki ghalati se zyada kuch nahin kaha ja sakta..... na hi kisi hadith mein ya Quran ki kisi ayat se aisi koi baat maloom hoti hai jesi q tv walay sahib farma gaye Baqi credit cards ka maamla seedha sa hai, iski salaana fees uss sahoolat k charges hain jo bank apko faraham karta hai aur agar aap payment on time kar dein to uss fees k ilava aur koi charges nahin parein gey lekin agar aap payments late kartay ho to apko fine dena parta hai jesay ab banks bhi kartay hain k itnay se kamm pesay agar apkay account mein hain to wo uss par ek khaas rate se charges kaat letay hain balkeh jo utility bills hum pay kartay hain wo bhi agar late pay karein to jurmana dena parta hai, kya isko sood kaha ja sakta hai? balkeh aisa to har lain dain k chakkar mein hota hai maslan college ki fees bhi time pe na dein to jurmana parh jata hai :d
aur kya uss system mein jahan ek ek cheez jo karobaar se mutallik hai uss mein sood shaamil hota hai koi alag thalag reh sakta hai?? hum loag ghair islami nizam mein islami k lafz ki paiwand kaari to kartay hain lekin pooray system ko badalnay ki hum mein himmat nahin hoti.......kher baat kafi lambi ho jaye gi.........aur mera yahan kabhi kabhi hi ana ho ga...... take care
QUOTE(Daylight @ May 24 2008, 05:50 PM) [snapback]2886239[/snapback]
Hmmm awwal to muje tv dekhe hi arsa ho gaya ab doosray jo baat hadith mein quote ki gai hai wo bilkul nayi baat hai aur aaj tak kisi allama kisi mufti kisi aalim e deen se aisi baat nahin suni na parhi lehaza isko Q TV walay unn sahib ki ghalati se zyada kuch nahin kaha ja sakta..... na hi kisi hadith mein ya Quran ki kisi ayat se aisi koi baat maloom hoti hai jesi q tv walay sahib farma gaye
Baqi credit cards ka maamla seedha sa hai, iski salaana fees uss sahoolat k charges hain jo bank apko faraham karta hai aur agar aap payment on time kar dein to uss fees k ilava aur koi charges nahin parein gey lekin agar aap payments late kartay ho to apko fine dena parta hai jesay ab banks bhi kartay hain k itnay se kamm pesay agar apkay account mein hain to wo uss par ek khaas rate se charges kaat letay hain balkeh jo utility bills hum pay kartay hain wo bhi agar late pay karein to jurmana dena parta hai, kya isko sood kaha ja sakta hai? balkeh aisa to har lain dain k chakkar mein hota hai maslan college ki fees bhi time pe na dein to jurmana parh jata hai :d
aur kya uss system mein jahan ek ek cheez jo karobaar se mutallik hai uss mein sood shaamil hota hai koi alag thalag reh sakta hai?? hum loag ghair islami nizam mein islami k lafz ki paiwand kaari to kartay hain lekin pooray system ko badalnay ki hum mein himmat nahin hoti.......kher baat kafi lambi ho jaye gi.........aur mera yahan kabhi kabhi hi ana ho ga...... take care
doosray jo baat hadith mein quote ki gai hai wo bilkul nayi baat hai aur aaj tak kisi allama kisi mufti kisi aalim e deen se aisi baat nahin suni na parhi lehaza isko Q TV walay unn sahib ki ghalati se zyada kuch nahin kaha ja sakta..... na hi kisi hadith mein ya Quran ki kisi ayat se aisi koi baat maloom hoti hai jesi q tv walay sahib farma gaye Baqi credit cards ka maamla seedha sa hai, iski salaana fees uss sahoolat k charges hain jo bank apko faraham karta hai aur agar aap payment on time kar dein to uss fees k ilava aur koi charges nahin parein gey lekin agar aap payments late kartay ho to apko fine dena parta hai jesay ab banks bhi kartay hain k itnay se kamm pesay agar apkay account mein hain to wo uss par ek khaas rate se charges kaat letay hain balkeh jo utility bills hum pay kartay hain wo bhi agar late pay karein to jurmana dena parta hai, kya isko sood kaha ja sakta hai? balkeh aisa to har lain dain k chakkar mein hota hai maslan college ki fees bhi time pe na dein to jurmana parh jata hai :d
aur kya uss system mein jahan ek ek cheez jo karobaar se mutallik hai uss mein sood shaamil hota hai koi alag thalag reh sakta hai?? hum loag ghair islami nizam mein islami k lafz ki paiwand kaari to kartay hain lekin pooray system ko badalnay ki hum mein himmat nahin hoti.......kher baat kafi lambi ho jaye gi.........aur mera yahan kabhi kabhi hi ana ho ga...... take care
issi baat pay to mujhay bhi hairaani horahi hai. thanx
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