Interest and Gambling

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?

Q: Vodacom (mobile service provider) introduced something called Play Everyday. It involves playing a game at a cost of R1, wherein you can win different sorts of prizes like airtime or mobile data. Whether you win or not is randomly calculated. Is this permissible or is it a form of gambling?

Q: Is it permissible to take out riba in order to avoid becoming homeless? I am a revert muslimah that quit college to avoid taking out more riba but I have yet to find a job and will soon be homeless since there is no family or friends I can stay with. My student loans were large enough to support me the entire semester with a part time job but since im not in school I have no job (it was a student job) and no more money. The Qur'an is very clear on riba but what else do I do? I already asked for money from my local musjid.

Q: My husband took a loan. The loan was taken with interest. He bought a phone with that money. Can I use his phone for a online shopping? Is it haaram?

Q: My husband took a loan few months ago. Then he bought a mobile phone with those rupees. Can I use his phone? Is it halaal for me?

Q: There are many needy people in my area. I am helping them in whatever way I can with my hard-earned money. However, this is not enough as the needy people are too many. Can I buy a lottery ticket every month with the intention that if I get lucky enough to win, I will help them with the prize money? I won’t touch a single penny from that amount for my personal use.

Q: EFU is offering takaful insurance. Kindly let us know is it Haraam or halaal as we are very confused about the takaful policy.

Q: If we deposit some of our savings in a bank account for our children and years later we get that back with profit, is that profit permissible and how does is differ between a boy and a girl?

Q: Certain doctors apply for jobs in private hospitals. The requirement for getting the job is that they need to have membership with the Medical Protection society (MPS). If they do not have such a membership, the hospital will not employ them. Monthly payment is made and in return the medical practitioners/doctors receive advice and direction in the medical field. The MPS also pays for legal claims against the practitioner/doctor. Is membership to the MPS permissible or this resembles insurance?

Q: Is buying medical insurance allowed? i.e now I am healthy so I buy an insurance for e.g. 2 years. So if any medical emergency happens to me in the two years, then I can claim the insurance.