kya home loan lena jaez hai, interest 8-10% hota hai. Ayatollah Sistani ka muqallid hun.

Question from Baroda (india)

Salamun Alaikum.
Sawal - kya home loan lena jaez hai, interest 8-10% hota hai. Ayatollah Sistani ka muqallid hun.
mainey ek jagah ye👆sawal pucha tha, to jawab diya ki "qarz ki niyyat se nhi le saktet"
Phir pucha, k kya niyyat karun. To ye jawab diya👇
نیت کریں کہ میں واپس نہیں کروں گا بغیر عوض کے لے رہا ہوں
 عوض - ka kya matlab hora hai?

*Ans :*
*علیکم السلام و رحمة الله و برکاته*

wo bank jo musalmanon ke nahi hain , sud dene ki shart par in se qarz lena haraam hai

lekin is haraam se bachne ka tariqa ye hai ke aap khud qarz ki niyat se payse ya maal na len balke is niyat wa qasd se len ke is ko kharch wa istemaal karna mera haq hai

jab ke aap ko is bare me malum hai ke bank ham se asl raqam ya maal sud ke sath lega , tab bhi jaez hai ( lekin is ka khayaal rahe ke aezafi raqam ( sud ) ko sud ki niyat se na den balke is niyat wa aeraadeh se den ke ye raqam ya maal ham se zabardasti liya ja raha hai , ham majburan de rahe hain , *bank ke liye* ye raqam lena haraam hai ).

*1-* tauzihul masael , aayatullah sistani , masla No 2804

*2-* minhajus saalehin , aayatullah sistani , jild 1 , aakhir-e- baab-e- " al aeqteraaz ( باب الاقتراض ) "
والسلام

Syed Shamshad Ali Katokhari kadime edara-e- darul etrat Azim Aabaad / Patna , shoba-e- sawalaat Qum / Iran

*15 / ربیع الثانی / 1439 ھ.ق*
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