Kya home loan chal raha hai to Kya mujhe khums Dena Wajib hai? Kya ghums fix kiye hue din nikaalna zaruri hai?

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Salaamunalaikum Agha Allah aapko jazaye khair inayat kare Elahi Ameen

(1) Mera sawaal yeh tha ke mera home loan chal raha hai to Kya mujhe khums Dena Wajib hai.please reply.

(2) Mera Sawaal yeh tha khums ka raqm agar kisi ne koi ek din fix kiya hai saal mein maslan ramzan eid ke din kya zaroori hai ke next year usi din yaani ramzaan eid mein hi khums nikaalna hai ya koi aur din bhi khums nikaal sakta hai ramzaan eid ke alawa. Please reply according to Ayatullah seestani.

Jawaab :

                           باسمه تعالى

         عليكم السلام و رحمةالله و بركاته

                               شکریہ

(1) Aap ne qarz liya our ous se ghar banwaaya ya kharida , aap qarz ki qist ada kar rahe hain dar waaqe aap abhi maqruz hain
To is surat me mas'ala ye hai :

Agar ous ghar me sokunat wa rehaa'eish ke pahle saal me kul qarz ke baraabar faaeda wa aamadani huei masalan 5 laakh qarz liya tha our 5 laakh hi faaeda wa aamadani huei to ous saal ke khums ki taarikh me aap par khums waajib nahi hai

our agar pahle saal me kul faaeda wa aamadani qarz ki raqam se kam thi masalan 5 laakh qarz liya tha lekin faaeda wa aamadani 2 laakh huei to ousi saal ke khums ki taarikh me aamadani wa faaede ke baraabar ( meqdaar ) khul qarz ke ba'nisbat wa peshe nazar jetni qist ada nahi ki hai outni kasr wa kam kar sakte hain

isi tarah dusre saal me masalan 2 laakh ka faaeda wa aamadani huei our qist ada kar rahe hain tab bhi aap par khums waajib nahi hai

mokhtasar ye ke :

Dusre saal wa barso me bhi khums ki taarikh me agar qarz bachaa hai ada nahi huaa hai our ous ki qist abhi jama nahi ki hai our ous qist ko pahle ke saal wa barson me alag wa juda nahi kiya hai to ousi saal ki aamadani se qist ki raqam kasr wa kam kar sakte hain , albatta ba'shart-e- ke oun tamaam saal wa barson me ous ghar me sokunat wa rehaa'eish thi

(2) Jo khums ki taarikh hai ous ke pahle de sakte hain lekin agar khums ki taarikh ke baad den
*masalan pahli rajab khums ki taarikh hai lekin maahe ramzaan ki pahli taarikh me khums nikaalen to is surat me pahli rajab tak jo bacha hai ous ka hesaab karen our pahli maah-e- ramzaan tak jo aamadani huei hai ous ka bhi hesaab kar ke khums nikaalen
phir agle saal khums ki taarikh pahli ramzaanul mobaarak ho jaae gi

والسلام

syed shamshad ali katokhari

khadim-e- aedaara-e- darul etrat Azim Aabaad / patna - shoba-e- sawaalaat Qum / iran

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