I am working in Middle East and without a Car your Mobility.
Mu' meneen Brothers and Sisters,
As Salaam Aleikum wa Rahmatullahi wa Barakatuh.
(May Allah's Peace, Mercy and Blessings be upon all of you)
One of our brothers/sisters has asked
this question:
Dear
Brother ASAKM,
I am
working in
Kindly
suggest me a solution to solve this issue as i also have to buy a car.
Jazakallah
(There may be some grammatical and spelling
errors in the above statement. The forum does not change anything from
questions, comments and statements received from our readers for circulation in
confidentiality.)
Answer:
Car loan interest
In the name of Allah, We praise Him, seek His help and ask
for His forgiveness. Whoever Allah guides none can misguide, and whoever
He allows to fall astray, none can guide them aright. We bear witness that
there is none worthy of worship but Allah Alone, and we bear witness that Muhammad
(saws) is His slave-servant and the seal of His Messengers.
Allah says in the Holy Quran Chapter 2 Surah
Baqarah verse 274-276:
But
those who devour ‘riba’ become like the one whom Shaitaan has bewitched and
maddened by his touch. They have been
condemned to this condition because they say,
“Trade is just like ‘riba”, whereas
Allah has made trade halaal and ‘riba’ haraam. Henceforth,
if one abstains from taking ‘riba’ after receiving this admonition from
his Lord, no legal action shall be taken
against him regarding the ‘riba’ he had devoured before: his case shall ultimately go to Allah. But if one repeats the same crime even after
this, he shall go to Hell, where he
shall abide for ever! Allah deprives
‘riba’ of all blessing and develops charity,
and Allah does not like an ungrateful,
sinful person.
Allah says further in the Holy Quran Chapter 2
Surah Baqarah verse 278:
O Believers!,
fear Allah and give up that ‘riba’ which is still due to you, if you are true believers. But if you do not do so, then you are warned of the declaration of war against you
by Allah and His Messenger!
Allah says in the Holy Quran Chapter 4 Surah
Nisa verse 161:
That they took ‘riba’, although they were forbidden. And that they devoured men’s substance wrongfully. We have prepared for those among them who
reject faith a grievous punishment (of Hell Fire)!
Al-Tirmidhi Hadith 2827 Narrated by Abdullah ibn Mas'ud
Allah's Messenger (saws) said, "Even
though usury be much, it leads in the end to penury."
Al-Tirmidhi Hadith 2829 Narrated by Ali ibn AbuTalib
Ali said he heard Allah's Messenger (saws)
invoke the curse of Allah on those who took usury, those who paid it, those who
recorded it, and those who refused to give sadaqah.
Dear and beloved brother in Islam, without an iota of a
doubt, the very concept and indulgence in any type or sort of ‘riba’ or
interest-based transaction is declared absolutely unlawful by Allah and His
Messenger (saws). Thus buying a car through
a loan from an interest-based conventional bank is not even an option for one
who sincerely believes in Allah and the Last Day.
There are several Shariah-compliant Islamic Financial
Institutions and Banks which accommodate
the buying of a car through a interest-free Shariah compliant loan. Even if these Shariah-compliant Islamic Banks
were to charge twice as much profit for a loan than that of a interest-based
conventional bank, the interest-based loan from a conventional bank would still
be and remain absolutely unlawful for one who sincerely fears Allah and the
Last Day!
Whatever written of Truth and benefit is only due to
Allah’s Assistance and Guidance, and whatever of error is of me alone. Allah Alone Knows Best and He is the Only
Source of Strength.
Your brother and
well wisher in Islam,
Burhan