Interest and Gambling

Purchasing a house through taking a loan on interest

Q: We live in a country, where it is impossible to buy a house on a full amount, it is more expensive than Europe. My husband is religious and wonts take a mortgage. We have been married for 2 decades and wasted lots on rental property, and the headaches that come with it. Buying ones own house is a basic necessity and advised by scholars, elders, alike if possible.

1. Is buying a house in installments permissible in Islam? From a real estate developer?

2. Can one use an installment plan which is jaiz, from a bank such as Al Rajhi bank?

Credit card rewards

Q: I wanted to enquire about Credit Card Rewards. I have a credit which is Shari'a Compliant as per clear statement from the bank:

Bank FAQ's

---------

Q. Is the card Shari'a compliant?

A. The Emirates Islamic cashback is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

----------

My question is as per your fatwa before, you said all cashbacks coming from credit cards are haraam?

1. What about this? Is this card cashback still haraam?

2. If it's haraam, please tell me how? Based on your answer I will decide to scrap the card or not.

3. Is there a difference of opinion between the four madhabs?

Claiming from insurance company

Q: The situation is as follows:

A person crashed a car of the owner by hitting a railing. The owners insurance was cancelled. The person drove off as no police report was needed. The owner of the car is saying you can either pay $1000 for the car and keep it or pay for the damages because the person is not able to get it renewed with his insurance. The owner had been paying $200 a month for it for about 4-5 years. The person is buying the car from the owner and taking it to another city. In the other city he will get the car safetied in its current condition and get insurance on it. He will then claim the car so that insurance can pay for the damage to fix the car. All the while he will be paying $150-200 for the car monthly in insurance. Is this correct for someone to do or is it haraam for someone to do that? One other point is he can pay insurance the full yearly amount upfront which is around $2400, and he may get 2-3 grand back for the car which they may treat as a write off.