Selling a product that is out of stock

Q: 

1. If a customer was to order something that the business didn't own (it wasn't in stock) and rather than paying full price on it, they agreed to put a deposit down and pay full price after the product was delivered to their house and it was fitted into their house (fitting is a separate service and a customer can order a product and request fitting it into their house or they can order a product with the fitting service together). 

Would the income be halal for this? The product will be delivered to the shop first and then the business will send the product to the customers house and fit it. 

2. If you tell a customer that the product isn't in stock and they have to order it in and if they do, they don’t have to pay full price, rather just a deposit and then when the product is delivered to their house or ready to collect from the businesses store, they can pay full price after that, is the income halal?

Verbally giving someone a gift

Q: If a person intends to gift a certain amount of money, around USD 100, to someone when he verbally made a certain statement saying that he has gifted USD 100 to the giftee with the intention of relinquishing his entire right of ownership, granting control to the giftee and spending money in whichever way she pleases on the amount of USD 100, but does not physically hand over the money to the person who is meant to be the giftee. 

Will such a process of gift be considered completed or not?

Breakthrough bleeding on the pill

Q: A women is on birth control and the doctor told her if she experiences bleeding before she arrives at the white pills, she shouldn't be concerned, it's completely normal. She wants to find out if break through bleeding is considered as her period. 

She checked a fatwa on your website and it matches her situation. (She’s bleeding after 15 clean days and she’s been bleeding for more than 3 days). 

As per the fatwa, it says that she is on her haiz. 

But the thing is that she knows when her period comes. It comes when she’s on her 2nd white pill. So she knows that's her actual period. Her problem is that if she considers the breakthrough bleeding as her haiz then by the time she does reach her actual period, it won't be regarded as her haiz but rather istihaaza because the breakthrough bleeding did not stop. So she would have to read Salah, Quran, etc., while she’s on her actual monthly period and she doesn’t know if that is correct. 

Does the fatwa apply to her or not because she knows that her period has a fixed time of arrival. Is there a different ruling regarding her situation.

Purchasing items with U Count points and giving it in charity

Q: I have the following queries regarding the U Count rewards from Standard Bank. I do earn these points but do not use them as per your previous fataawa that I read on your website. 

My questions are as follows: 

1. Can I purchase items from the U Count participating retailers e.g. Makro and give these items to my helper who is a non-Muslim or any Muslim person or any Muslim organization e.g. a Muslim orphanage? 

2. Can I purchase items for me e.g. R1000.00 using the points and then take R1000 in cash and give it away to any Muslim, non-Muslim or any Muslim organization?

Taking an interest-bearing loan to study

Q: I have a great academic background and I want to continue my studies abroad. The country I am currently living in is Afghanistan, so my financial circumstances are not good and for continuing my studies I am not going to be able to pay for my education expenses. 

Can I get a loan and this loan has been accompanied by interest. Studying abroad is my dream and I can make my future through this. So can I get the loan?