Loans & Debts

Q: A person gave a loan from his halaal money to someone with a mostly a halaal income. Later, the person who the money was lent to took a new job in which they earn a mostly haraam income. Is it haraam for the lender to be repaid by the person he lent money to?

Will such a repayment carry any of the spiritually destructive side effects of utilizing haraam wealth? And if there is any evidence from the ulama and fuqaha on this matter, then please share because I could not find anything about this online. 

Q: As we always learnt that we should always keep in mind the virtues of actions in front of us whilst doing a good action and keep on checking our niyyat.

I would like to find out what is the reward of loaning wealth to someone that is in a financial situation to fulfill a need/necessity .

Q: I want to buy a computer for 8000 aed by credit card. My bank is offering 0 percent interest installments for that. But they are charging me a one time processing fee of 50 aed to convert the whole amount (8000 aed) into 3 months installments. Please let me know if this processing fee will be considered as interest or is it permissible.

Q: I'm buying a car from a bank as "Car Ijarah", but I have two confusions;

1. From which bank I buy a car as per "Car Ijarah", they also ask us to sign on the contract where the condition is "If I delay the monthly installment then I've to pay some extra money as charity" as per their saying, but Alhumdulillah we have a shop and we are sure that we will be able to pay all installments on the time or before the deadline. So If I sign the contract and pay all the installments on the time will it be halal to buy that car from the bank?

2. The bank also want us to pay some extra money in down payment for takaful insurance of that car because in the period of installments which is 2 or 3 years the car owner of that car will be the bank, and as per we believe that insurance is haram so can we pay that money also? Because the owner is bank and after the period of installments they'll gift us that car.

Q: I have a question about credit card's if you could please answer it, My question is this: Are credit card's Halaal?

To elaborate on this - if a company offers me 10,000 euros to spend on a card as and when I wish and all I have to do is pay back what I have used in 30 days and no charges will be applied to my month bill, BUT if I don't pay off this amount that I have used in the past 30 days then they will add interest to my repayments, like 15% of what I have used every month till I pay it off and based on this I agree and I enter into this agreement with that company and take and use this card. My intention is to pay off my bill every month before any interest is applied so I don't pay any Riba (interest) and I do, I keep up with my repayments every time and I don't not pay any interest at any point. But I have agreed that if I do miss a payment that I will pay them the interest. Is this permissible? Is it allowed for a Muslim to enter such a contract to make a agreement to pay Riba(interest) if such and such happens, but the Muslims intention is to never be in that situation but yet still agreeing that if I do fall in that situation I will pay you with interest. A brother of mine fell on hard times and he took a credit card to get himself through this hard times and he told me that some Ulema have said that it is permissible if you need it and as long as you stay within the monthly repayments without the add of interest. My understanding is that a Muslim must live by his oath and even agreeing to do Haram(whether or not you do it) is Haraam.

Jazak'Allah Khayrr for your time and I wait to hear your reply and clarity on this matter.

Q: I sold a house for R500 000 on credit and told the customer to pay R50 000 per month over ten months. The customer paid me for the first five months and then passed away. Is it permissible for me to immediately claim the outstanding R250 000 from the heirs or do they still have five months to pay?

Q: My father sold a car for R100 000 on credit and the terms were that the customer would pay R25 000 per month over four months. My father has passed away and it is two months since he concluded the sale. Can we make the customer pay the remaining R50 000 immediately or does he still have two months left to pay?

Q: I am a post graduate student. My question is regarding a scholarship which I applied for and wanted to ask if it is ok for me to take.

I am presently studying in a different state and this scholarship is from the central govt. but I needed a proof of residence of this state for the application. So I got in contact with an agent and he managed to get my application approved for which he is taking a part of the scholarship money.

Anyway, generally I never applied for scholarships in my schooling or college or bachelors but because I have a few unplanned heavy expenses related to my education course, I applied for it thinking it would help. But I am in a dilemma whether to use it or dispose it or just use it for this particular purpose and dispose the remaining or use it for my other personal expenses and if not, then how do I dispose it?

Q: I had rented a house and thereafter negotiated with the landlord to purchase the house. As I did not have the funds to purchase the house, my friend offered to assist by loaning me the full purchase price payable to him as arranged. He forwarded the monies to the seller and the legal transfer process from the seller to me commenced. Soon thereafter my friend went through some financial problems and his family members demanded that I repay the loaned amount to him (my friend) within 24 hours. I was very troubled as I could not arrange such a large sum within such a short time and whilst I was at work another friend happened to pass by. We greeted one another and he noticed the troubled look on my face. Upon his insistence I explained to him the situation and he there and then phoned his bank and asked them to transfer the money to my first friend's account. I was surprised and asked him about the repayment and he said that the house is yours and we will talk about the repayment. Upon my insistence he suggested that I pay 4000 rental monthly for now and then we will discuss the repayment.

NB. Since the house was in the process of getting transferred to my name from the seller, he (second friend) asked the conveyancer to continue with the transfer into my name and when I queried with him, he did mention that the house is yours and it is for you. I continued paying the monthly stipulated rental until one day he passed away.

Upon his death I told my wife to ask my friends widow about the house and she said that she is aware of the situation. She sent her brother to my house who then said that they prefer keeping the house as an investment for the children and they do not want to sell. I did not pursue the matter further until I recently mentioned it to an aalim who felt that it could probably be that I am paying interest and the widow is receiving interest as the amount given to me by the second friend was a loan and not a purchase price of the house.

Can you please advise as to what the status of the above transaction is and who is the owner of the house and what is the status of the monies forwarded to me by my second friend as I would not like be involved in interest in anyway.

Q: Can a rich Muslim apply for minority scholarship given by government for higher education?