{"id":6812,"date":"2024-07-10T07:44:03","date_gmt":"2024-07-10T07:44:03","guid":{"rendered":"https:\/\/al-mawrid.org\/questions-en\/2024\/07\/10\/a-question-regarding-mortgage\/"},"modified":"2025-11-16T21:49:20","modified_gmt":"2025-11-16T16:49:20","slug":"a-question-regarding-mortgage","status":"publish","type":"post","link":"https:\/\/al-mawrid.org\/questions-en\/a-question-regarding-mortgage\/","title":{"rendered":"A Question Regarding Mortgage"},"content":{"rendered":"<h3>Question<\/h3>\n<p>My  question is regarding mortgage. I have been working in the UK for the  past 7 years. I was living and paying rent for 5 years till the time I  got married and my responsibilities changed from a Bachelor to a Married  person. Even then I tried to avoid buying my own place however a stage  reached when I thought that to avoid inconvenience posed due to renting  i.e. parents coming and living with me and also due to the increase of  cost of living, I decided to buy a place of my own and there was no  product available in the market by which I could avoid paying interest. I  still am confused whether I did the right thing. Can you please  enlighten me on my position now and whether I should get out of the  investment. Your thoughts on this will be very much appreciated. Jazak  All\u0101h.<\/p>\n<h3>Answer<\/h3>\n<p>What the Shar\u012b&#8217;ah has made <em>Haram<\/em> is to take interest. Paying interest cannot be considered  forbidden <em>HARAM<\/em>  simply because we do not have any reliable directives from Shar\u012b&#8217;ah to  say so. Paying interest is however contributing to a Haram transaction  and as such should be avoided where there are other reasonable options.  In the interest based society that we are living today it seems like  these options are very limited (if available at all) and circumstances  like the one you explained are quite common. In such circumstances we  cannot say that paying interest should still be avoided because securing  a financially healthy and appropriate life is the right of every human  being and is recognised and respected in Islam. <\/p>\n<p><strong>Answered by:<\/strong> Farhad Shafti<\/p>\n<p><strong>Date:<\/strong> 2015-03-29<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"6812\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorite <i class=\"sf-icon-star-empty\"><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>My  question is regarding mortgage. I have been working in the UK for the  past 7 years. I was living and paying rent for 5 years till the time I  got married and my responsibilities changed from a Bachelor to a Married  person. Even then I tried to avoid buying my own place however a stage  reached when I thought that to avoid inconvenience posed due to renting  i.e. parents coming and living with me and also due to the increase of  cost of living, I decided to buy a place of my own and there was no  product available in the market by which I could avoid paying interest. I  still am confused whether I did the right thing. Can you please  enlighten me on my position now and whether I should get out of the  investment. Your thoughts on this will be very much appreciated. Jazak  All\u0101h.<\/p>\n","protected":false},"author":1,"featured_media":14147,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1169],"tags":[1210,1530,2587,1533,1211],"class_list":["post-6812","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic-issues","tag-bank","tag-house","tag-mortgage","tag-riba","tag-sood"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A Question Regarding Mortgage - Al-Mawrid Queries<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/al-mawrid.org\/questions-en\/a-question-regarding-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Question Regarding Mortgage - Al-Mawrid Queries\" \/>\n<meta property=\"og:description\" content=\"My question is regarding mortgage. I have been working in the UK for the past 7 years. I was living and paying rent for 5 years till the time I got married and my responsibilities changed from a Bachelor to a Married person. Even then I tried to avoid buying my own place however a stage reached when I thought that to avoid inconvenience posed due to renting i.e. parents coming and living with me and also due to the increase of cost of living, I decided to buy a place of my own and there was no product available in the market by which I could avoid paying interest. I still am confused whether I did the right thing. Can you please enlighten me on my position now and whether I should get out of the investment. Your thoughts on this will be very much appreciated. 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I have been working in the UK for the past 7 years. I was living and paying rent for 5 years till the time I got married and my responsibilities changed from a Bachelor to a Married person. Even then I tried to avoid buying my own place however a stage reached when I thought that to avoid inconvenience posed due to renting i.e. parents coming and living with me and also due to the increase of cost of living, I decided to buy a place of my own and there was no product available in the market by which I could avoid paying interest. I still am confused whether I did the right thing. Can you please enlighten me on my position now and whether I should get out of the investment. Your thoughts on this will be very much appreciated. 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Before marriage I was not eligible for zakat. I have only gold on which I am paying zakat since last 8 years with a self developed understanding that whatever is with me or with\u2026","rel":"","context":"In &quot;Worship Rituals&quot;","block_context":{"text":"Worship Rituals","link":"https:\/\/al-mawrid.org\/questions-en\/category\/worship-rituals\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6004,"url":"https:\/\/al-mawrid.org\/questions-en\/reward-for-childless-parents\/","url_meta":{"origin":6812,"position":1},"title":"Reward For Childless Parents","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I hope you are doing very well. I have been browsing the internet for information on this matter but, unfortunately, couldn't find any satisfying answer to my question. I have been married for many years now, but, unfortunately we don\u2019t have any kids. We have always heard ayahs and hadith\u2026","rel":"","context":"In &quot;Faith and Beliefs&quot;","block_context":{"text":"Faith and Beliefs","link":"https:\/\/al-mawrid.org\/questions-en\/category\/faith-and-beliefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6934,"url":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/","url_meta":{"origin":6812,"position":2},"title":"Purchasing house on mortgage and Mr. Ghamidi&#8217;s view","author":"Mushfiq Sultan","date":"July 10, 2024","format":false,"excerpt":"Dear Ghamidi sahab,Salam,I have listened to your lectures and I have been able to correct my many beliefs that we had from my ancestors.Relating to mortgage you said that banks buy us the property but when I read the agreement they actually lend us the money and our liability is\u2026","rel":"","context":"In \"bank\"","block_context":{"text":"bank","link":"https:\/\/al-mawrid.org\/questions-en\/tag\/bank\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6821,"url":"https:\/\/al-mawrid.org\/questions-en\/relationship-between-%e1%b8%a5alal-money-and-%e1%b8%a5alal-meat\/","url_meta":{"origin":6812,"position":3},"title":"Relationship Between H\u0323al\u0101l Money And H\u0323al\u0101l Meat","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I am living in Canada since the last 6 years and some times get very confused due to some baseless thoughts of so called Islamic scholars or Muslims here. All Muslims of this area do not eat MacDonald's food because the meat available there does not come from hil\u0101l sources\u2026","rel":"","context":"In &quot;Dietary Directives&quot;","block_context":{"text":"Dietary Directives","link":"https:\/\/al-mawrid.org\/questions-en\/category\/dietary-directives\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6601,"url":"https:\/\/al-mawrid.org\/questions-en\/obligations-to-ones-spouse-and-parents\/","url_meta":{"origin":6812,"position":4},"title":"Obligations To One&#8217;s Spouse And Parents","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I have been married for over a year now and I am living with my husband\u2019s parents and brother. Before I got married I had said to my husband that I didn\u2019t mind living with them. However, the situation has changed. A few months after I got married, my mother\u2026","rel":"","context":"In &quot;Social Issues&quot;","block_context":{"text":"Social Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/social-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6879,"url":"https:\/\/al-mawrid.org\/questions-en\/marriage-with-a-shia\/","url_meta":{"origin":6812,"position":5},"title":"Marriage With A Shia","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I am a Sunni girl and I like this Shia boy. He sent a formal proposal which was refused by my family. My family says that he is a kafir and I cannot get married to him and thus would be living a sinful life with him. They also tell\u2026","rel":"","context":"In &quot;Muslim Sects&quot;","block_context":{"text":"Muslim Sects","link":"https:\/\/al-mawrid.org\/questions-en\/category\/muslim-sects\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pgh6ci-1LS","_links":{"self":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6812","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/comments?post=6812"}],"version-history":[{"count":0,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6812\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/media\/14147"}],"wp:attachment":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/media?parent=6812"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/categories?post=6812"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/tags?post=6812"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}