Interest and Gambling

Q: If a person loads airtime on his phone and receives some free airtime, can this free airtime be used to enter competitions (e.g. competitions found on food packets, etc.) via SMS or phone calls?

Q: Is it haraam to earn a pension fund and to draw unemployment fund which was partly contributed from your own salary and partly from the company you work at?

Q:

1. What is the status of permissibility with regard to student loans? Here in Australia, we have the option of paying back all or some of the loan, but it has some form of interest (indexing) applied to it. These loans are usually taken out by university students.

2. What about those who have already taken out a loan and do not wish to pay back? The Australian law requires a re-payment of the loan incrementally in the form of income tax, which only becomes mandatory if and when the debtor is earning above a minimum yearly salary.

Q: May I use interest money to pay airport taxes?

Q: If a person is in need of a car and he does not have the money to pay for it, can he buy it through bank finance?

Q: Can interest money be used to pay off traffic fines?

Q: We would like to know what's Mufti saabs commentary on FnB Islamic banking?

Q: I checked my bank statement and I realized that I consumed interest money unconsciously. What should I do to expiate it?

Q: Our company has a pension fund that has various portfolios options of which one is a shariah compliant option. The problem is that the fund is loosing so much on my money monthly. Do you continue loosing money or place it in a safe interest bearing portfolio?

Q: Sending this on behalf of someone: If I buy a property and the bank finances it and I pay a set amount plus interest every month to the bank, is it halaal or haraam?