{"id":6934,"date":"2024-07-10T07:44:31","date_gmt":"2024-07-10T07:44:31","guid":{"rendered":"https:\/\/al-mawrid.org\/questions-en\/2024\/07\/10\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/"},"modified":"2025-11-16T21:48:56","modified_gmt":"2025-11-16T16:48:56","slug":"purchasing-house-on-mortgage-and-mr-ghamidis-view","status":"publish","type":"post","link":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/","title":{"rendered":"Purchasing house on mortgage and Mr. Ghamidi&#8217;s view"},"content":{"rendered":"<h3>Question<\/h3>\n<p>Dear Ghamidi sahab,<\/p>\n<p>Salam,<\/p>\n<p>I have listened to your lectures and I have been able to correct my many beliefs that we had from my ancestors.<\/p>\n<p>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 the cash which they paid to our layer to acquire my property , the title name on the property is mine not the bank so how we take this interest amount as rent . In case I am not able to pay back my mortgage amount they will takeover my home, sell it and take their money and if some amount is left they will give it to us.<\/p>\n<p>Kindly let me know is this procedure of mortgage is Jaiz (permissible).<\/p>\n<h3>Answer<\/h3>\n<p>Salaam.<\/p>\n<p>Thank you for writing to us.<\/p>\n<p>When the bank gives you money, can you buy anything from it other than the house for which the loan is given? If not, then in reality it&#8217;s not a loan but a way of enabling you to get the house. If the house is in your name from day one, is it a disadvantage for you or an advantage? If you can&#8217;t pay the instalments, the bank will sell your house and give you from the sale proceeds the amount more than what you owe to the bank. That too is a fair deal. Where do you find a problem in this arrangement?<\/p>\n<p><strong>Answered by:<\/strong> Mushafiq Sultan<\/p>\n<p><strong>Date:<\/strong> 2019-05-11<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"6934\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorite <i class=\"sf-icon-star-empty\"><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>Dear Ghamidi sahab,<\/p>\n<p>Salam,<\/p>\n<p>I have listened to your lectures and I have been able to correct my many beliefs that we had from my ancestors.<\/p>\n<p>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 the cash which they paid to our layer to acquire my property , the title name on the property is mine not the bank so how we take this interest amount as rent . In case I am not able to pay back my mortgage amount they will takeover my home, sell it and take their money and if some amount is left they will give it to us.<\/p>\n<p>Kindly let me know is this procedure of mortgage is Jaiz (permissible).<\/p>\n","protected":false},"author":2,"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":[1],"tags":[1210,2707,1212,2587,1186],"class_list":["post-6934","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-bank","tag-ghamidis-view","tag-interest","tag-mortgage","tag-rent"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Purchasing house on mortgage and Mr. Ghamidi&#039;s view - 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\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Purchasing house on mortgage and Mr. Ghamidi&#039;s view - Al-Mawrid Queries\" \/>\n<meta property=\"og:description\" content=\"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 the cash which they paid to our layer to acquire my property , the title name on the property is mine not the bank so how we take this interest amount as rent . In case I am not able to pay back my mortgage amount they will takeover my home, sell it and take their money and if some amount is left they will give it to us.Kindly let me know is this procedure of mortgage is Jaiz (permissible).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/\" \/>\n<meta property=\"og:site_name\" content=\"Al-Mawrid Queries\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/almawridofficial\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-10T07:44:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-16T16:48:56+00:00\" \/>\n<meta name=\"author\" content=\"Mushfiq Sultan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AlMawridOffice\" \/>\n<meta name=\"twitter:site\" content=\"@AlMawridOffice\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mushfiq Sultan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/al-mawrid.org\\\/questions-en\\\/purchasing-house-on-mortgage-and-mr-ghamidis-view\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/al-mawrid.org\\\/questions-en\\\/purchasing-house-on-mortgage-and-mr-ghamidis-view\\\/\"},\"author\":{\"name\":\"Mushfiq Sultan\",\"@id\":\"https:\\\/\\\/al-mawrid.org\\\/questions-en\\\/#\\\/schema\\\/person\\\/aae9a3845013bb29c3ddf966793a1997\"},\"headline\":\"Purchasing house on mortgage and Mr. Ghamidi&#8217;s view\",\"datePublished\":\"2024-07-10T07:44:31+00:00\",\"dateModified\":\"2025-11-16T16:48:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/al-mawrid.org\\\/questions-en\\\/purchasing-house-on-mortgage-and-mr-ghamidis-view\\\/\"},\"wordCount\":263,\"publisher\":{\"@id\":\"https:\\\/\\\/al-mawrid.org\\\/questions-en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/al-mawrid.org\\\/questions-en\\\/purchasing-house-on-mortgage-and-mr-ghamidis-view\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/al-mawrid.org\\\/questions-en\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Queries.png?fit=800%2C450&ssl=1\",\"keywords\":[\"bank\",\"ghamidi's view\",\"interest\",\"mortgage\",\"rent\"],\"articleSection\":[\"General\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/al-mawrid.org\\\/questions-en\\\/purchasing-house-on-mortgage-and-mr-ghamidis-view\\\/\",\"url\":\"https:\\\/\\\/al-mawrid.org\\\/questions-en\\\/purchasing-house-on-mortgage-and-mr-ghamidis-view\\\/\",\"name\":\"Purchasing house on mortgage and Mr. Ghamidi's view - 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In case I am not able to pay back my mortgage amount they will takeover my home, sell it and take their money and if some amount is left they will give it to us.Kindly let me know is this procedure of mortgage is Jaiz (permissible).","og_url":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/","og_site_name":"Al-Mawrid Queries","article_publisher":"https:\/\/www.facebook.com\/almawridofficial","article_published_time":"2024-07-10T07:44:31+00:00","article_modified_time":"2025-11-16T16:48:56+00:00","author":"Mushfiq Sultan","twitter_card":"summary_large_image","twitter_creator":"@AlMawridOffice","twitter_site":"@AlMawridOffice","twitter_misc":{"Written by":"Mushfiq Sultan","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/#article","isPartOf":{"@id":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/"},"author":{"name":"Mushfiq Sultan","@id":"https:\/\/al-mawrid.org\/questions-en\/#\/schema\/person\/aae9a3845013bb29c3ddf966793a1997"},"headline":"Purchasing house on mortgage and Mr. Ghamidi&#8217;s view","datePublished":"2024-07-10T07:44:31+00:00","dateModified":"2025-11-16T16:48:56+00:00","mainEntityOfPage":{"@id":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/"},"wordCount":263,"publisher":{"@id":"https:\/\/al-mawrid.org\/questions-en\/#organization"},"image":{"@id":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1","keywords":["bank","ghamidi's view","interest","mortgage","rent"],"articleSection":["General"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/","url":"https:\/\/al-mawrid.org\/questions-en\/purchasing-house-on-mortgage-and-mr-ghamidis-view\/","name":"Purchasing house on mortgage and Mr. Ghamidi's view - 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He can be reached at sultanmushafiq@gmail.com.","url":"https:\/\/al-mawrid.org\/questions-en\/author\/msultan\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":6812,"url":"https:\/\/al-mawrid.org\/questions-en\/a-question-regarding-mortgage\/","url_meta":{"origin":6934,"position":0},"title":"A Question Regarding Mortgage","author":"admin","date":"July 10, 2024","format":false,"excerpt":"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\u2026","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-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":6008,"url":"https:\/\/al-mawrid.org\/questions-en\/zakah-on-stocks\/","url_meta":{"origin":6934,"position":1},"title":"Zakah on Stocks","author":"admin","date":"July 10, 2024","format":false,"excerpt":"Please elaborate whether stock are zakatable? If yes, please tell the percentage to be applied if they are kept for capital appreciation? What would be the share value to be used for calculation i.e. cost or market value? I have had shares for five years and never paid zakat on\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":6006,"url":"https:\/\/al-mawrid.org\/questions-en\/zakat-and-the-retired-elderly\/","url_meta":{"origin":6934,"position":2},"title":"Zakat And The Retired Elderly","author":"admin","date":"July 10, 2024","format":false,"excerpt":"My question is about eligibility of Zakat at old age when there is no source of income for retired person. For example my uncle has given Zakat his whole life regularly and completely. Now he is 75. He sold his spare home and then submitted the money in Islamic bank\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":6862,"url":"https:\/\/al-mawrid.org\/questions-en\/questions-about-zakah\/","url_meta":{"origin":6934,"position":3},"title":"Questions About Zakah","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I have some questions regarding payment of Zakah. Please clarify them for me. 1. Last year I saved $ 40,000 and paid my Zakah according to the law of the land. I have not used this amount still and have saved another $10,000. Do I need to pay Zakah on\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":6602,"url":"https:\/\/al-mawrid.org\/questions-en\/buying-property-on-instalments\/","url_meta":{"origin":6934,"position":4},"title":"Buying Property On Instalments","author":"admin","date":"July 10, 2024","format":false,"excerpt":"Are we allowed to purchase property in a non-Muslim country on instalments where the matter of bank interest (riba) is involved?","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-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":6314,"url":"https:\/\/al-mawrid.org\/questions-en\/islamic-banking-in-uk\/","url_meta":{"origin":6934,"position":5},"title":"Islamic Banking In UK","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I want to bring into your attention a major issue which is related to Islamic banking in UK. A number of Muslim families in west take mortgages (loan) to purchase houses, where the bank charges interest (riba) on the loan. Recently, there are few banks such as HSBC and Islamic\u2026","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-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":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pgh6ci-1NQ","_links":{"self":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6934","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/comments?post=6934"}],"version-history":[{"count":0,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6934\/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=6934"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/categories?post=6934"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/tags?post=6934"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}