Interest and Gambling

Q: I need a loan from the bank, but they are charging interest. Can I take that loan or I will find another bank that gives me an Islamic loan.

Q: Is Health insurance policy, life insurance policy etc is permissible in Islam? Kindly send some reference of hadith and Quran also.

Q: What types of banking accounts are permissible to open? Can I open a savings account with the intention that I will deduct the amount of interest earned from the total balance every month?

Q: Is trading using binary option on any thing from currencies to commodities halaal or haraam? Please could you let me know on this issues?

Q: Is home insurance haraam? It does deal with interest, but so does car insurance.

Q: Regarding the diners card, which many people take out to get access to airport lounges across the world. The cost is R695 per year. According to the website: Airport lounge entrances are part of 15 complimentary visits, provided R12 000 spend is met on your account in the quarter of your visit. A quarter is defined as the calendar months between Jan - Mar, Apr - Jun, Jul - Sep, Oct - Dec. I know Mufti saheb has mentioned that all benefits from the bank are not permissible to use such as ebucks, FNB slow lounges etc,

1) Is it permissible to obtain and use such a credit card and the associated benefits and lounges? Provided one does not earn/pay interest, and keeps a positive balance on the card.

2) A person went for jamaat where a few sathies had this card. If a cardholder has guests that also want to enter the lounge, they can pay a fee of approx R250 and enter the lounge with the cardholder. So a sathie who is very strict not to use fnb slow lounges, ebucks etc was compelled to enter as the whole jamaat was agreed on entering and he didnt want to split the jamat. This R250 fee is especially for guests of cardholders and normal people wouldnt be able to enter. Is it permissible to pay the R250 (not being a cardholder) and enter the lounge and restaurant? If a person had done so, and Mufti sb views it as impermissible, what should he do to correct his mistake?

Q: I am very much in need of money. I have requested to my friends, family,and colleagues to lend me money but no body gives me. Now I have to pay my house rent and I have only one choice of credit card. Please let me know what to do to save my honour and respect in society. Can I avail the available choice.

Q: Pakistan is an Islamic state. I have invested some amount in government saving schemes. Although the rate of profit is fixed it is actually not because of inflation which may be more or less than the rate of profit. Besides, the actual value of my investment is going down each year due to devaluation being corresponding effect of inflation. Please guide me if the profit I receive on this investment is halaal.

Q: A Muslim entered his dog into a dog competition. Based on the gait, size, alertness, general health and so forth of the dog, the dog was placed in the top three of the competition - in light of the other entered dogs. The owner was awarded some physical items as prizes. This person has given me such prizes as a gift. (1) May I keep such gifts? (2) If not, to whom must I return the prizes: the winner, or the dog association that ran the competition?

Q: We live in South Africa and we want to know is medical aid permisible?