Valid & Invalid transactions

Q: My question is a regarding business.

I have a store and sometimes I get some guys to buy from me goods for their organisation. (I have no idea who they are funded by). They will only bring to me business if I give them commision. So what I do is if I am selling something for 5000, I quote them 5500. After quote is accepted they give me 5500 and from there I will give them 500 as commision. I want to know is this a halal method? If not can you explain to me in detail a halal way so that we can carry on with business in our shariah way and follow the sunnats of our Prophet Muhammad (Sallallahu Alaihi Wasallam).

Q: I am planning on buying a new house that costs $250,000. However, I do not have enough money to pay the full amount up front and I do not want to pay interest on the house. The deal I have worked out with the company selling the house is that I will pay $300,000 for the house but I will not pay any interest. Meaning, I will pay $2,000 every month for 150 months for a total of $300,000. This way the company will make some money on the house and I will not pay any interest.

Is this a permissible deal for me to make?

Q: Is it permissible to attach the condition of goodwill to a sale? If not, what is the correct procedure?

Q: I run a business buying and selling furniture, gold and silver. When a person sells an item to us, then in most cases, an option is given to the seller to buy back the item sold at any time, if still in stock, but at a higher price. Is this permissible?

Q: I went to a college in 2015 and for three months I missed payments to them. I want to pay it back now but I only want to pay for two months. Because the one month we did not do much work and they wasted my time. Can I pay for two months or do I have to pay for all three months? They have no record of it, and they are not asking. But I know that I missed three payments. Do I have to pay for it or must leave it?

Q: I work at a company that sells wooden boards. Carpenters come to us with the measurements of the customer’s job, then we use a computer program to work out how many boards the customer will require. Sometimes, the customer only requires two boards but the carpenter asks us to charge him for three boards. The customer thinks that he needs three boards and is paying for three, whereas he only needs two and is only receiving two while the carpenter takes the money from us quietly for the third board. My boss says that we are not doing anything wrong because the carpenter is taking the money and we are not taking anything. Is this permissible?

Q: I have a query regarding the payment options of my son’s school fees. Please advise whether the following option is permissible:

Pay in full by the first Friday of February and receive a 5% discount. This amounts to R12 350 for the year instead of R13 000 if I have to split the fee over each school term or per month. The various payment plans are as follows:

1. As detailed above with 5% discount = R12 350 per annum

2. An amount of R3250 per school term = R13 000 per annum

3. An amount of R1300 per month for 10 months (Jan-Oct) = R13 000 per annum

Q: A friend and I want to sell cars together. He has the experience in buying and I have the cash. This is how we wish to work.

1. He will find me the right car that is worth buying to resell.

2. I must buy the car myself with my money.

3. He will find me buyers.

4. I must sell the car myself to the buyer.

5. He (my friend) will get a cut from the profit of the sale.

Is this way of dealing correct? He will not put money in, but will basically do the work of finding the supply and buyers. I must do all transactions, If I loose for some reason he will not share the loss. He will only take a share in the profit of a winning deal.

Q: Please advise regarding online forex trading. I have read other nodes but answer is still not clear. It is a swop free account - so no interest is charged if trades are kept overnight. I only trade forex and stay clear of individual stocks. When a transaction takes place I am purchasing a contract to exchange the difference between the opening price and the closing price of that contract. Please provide a clear yes or no answer.

Q: Is it permissible to take extra amount on mobile load. Also is it permissible to take extra amount on utility bill payment. Explanation: Today we see every mobile load shopkeeper takes 1 rupee extra on mobile load. Like if we want to load 30 rupees, loader gets 32 rupees and loads 30 rupees. Will this extra two rupees be sood or not?