Loans & Debts

Q: In islam, is there any kind of method to buy a house. I am living in Europe and I can't afford to pay all the money. I am living in a house of rent and paying 500 euros rent per month.

Q: I am from India. We are three bothers and we have only one home. With the grace of Allah (Ta'ala) coming year I will get married. So, I was thinking of buying a home. As I don't have enough money. I need to take a loan. But here in India we don't have Islamic banking. And I don't have other means to get that required amount. What is best for me? As there is Riba involved if I want to buy a flat from the banks which follow non-islamic banking.

Q: I would like to perform hajj in the near future so I need to pay off two loans. I have student loans from over a decade ago that I would like to pay off in full. However, I don’t want to pay the interest that has accumulated on these loans. If I can settle to pay just the amount of the original loan, will that be permissible? Also, I have an outstanding loan from a certain company. If the company agrees to let me pay just a percentage to have the entire loan forgiven, is that permissible?

Q: My dad owes me some money, however he thinks that whatever money I give him, he doesn't have to pay me back. However I am the one that looks after his money fully. He keeps his savings with me also. Would it be permissible for me to take my money without telling him, he will not realise that I have taken my money as it is a very little amount. If I ask for my money back he may get upset and offended.

Q: I work in a department store, and as part of the job we are obliged to ask customers if they want a store card, which is a credit card, and if they do, to open accounts for them. What is the ruling on credit cards, and is this work permissible?

Q: I would like some advice. I am looking to purchase a property for primary home residence, as rentals are becoming rather high and increase each year. However I am in a lot of debt. Do I go ahead and consider purchasing the property, or is it best to rather wait until debts are reduced, before taking on such a huge commitment.

Q: I want to know if I want some monetary help from my family and I ask them and they help me and I return it after a few weeks, I want to know that is it shirk?

Q: I wanted to find out something regarding interest. I'm currently in an unstable financial situation, I find it very difficult to pay my expenses, I'm currently working and have tried many things to make additional income with no success. I've been working on a business plan and submitted to government, would it be permissible for me to take a loan from them? The loan will have interest payable. I cannot go to any Islamic bank etc because of my financial record. I have no other options, please advise.

Q:

1. Once, a shopkeeper made a mistake and gave me extra change. I was going to return the extra change, but for some reason, I did not. Is it now a debt and should I return the difference?

2. If they refuse to take the money, how should I clear it?

3. If the shopkeeper dies, how should I repay it?

Q: Is credit card permissible in Islam? Please inform me regarding credit card usage.