Conditions & Fundamentals of Hajj and Umrah

Q: I sold my car two years ago. 

I have saved money. 

After looking at the price of second hand cars and the age of vehicles available, I took mashwara from a senior aalim and decided to take a loan for one year and buy a new car. The car is not cheap but cars are quite costly. So it's the second from an entry level. 

I intend purchasing the car in the next few weeks. 

I then went onto the hajj portal and it showed my name will come for the next hajj. When I had checked in July and I contacted sahuc, they said two years. 

I would like to know, am I not allowed to buy the car because I will be in debt and in no position to go for hajj when the time of hajj dawns. I will be paying the car till the end of 2025. 

The second issue is I am using the car from work and my boss is not a stable person so I fear that he's going to make an issue of me using the work car for such a long period 

I have also had an option to get the car slightly cheaper but there was a waiting period so because of my boss I decided let me rather buy it now.

Q: I am going for umrah soon and also have an issue where very small amounts of discharge exit my private parts. How do I perform my umrah if this discharge might exit my private parts during tawaaf and so on. What shall I do if anything exits? Does my umrah not count? If any discharge ends up touching my Ihram, does my umrah not count? 

Q: Is it permissible for a person who is accredited for Hajj, and has both the means and opportunity to fulfill their Fardh Hajj, to delay it as he is concerned that their income may not be completely halaal? The individual intends to fulfill the obligation but wishes to ensure that they use only pure, halaal money for this sacred journey.

Q: A woman washes some clothes and sets out for umrah and enters into ihram. 

Whilst in the state of ihram, will it be permitted for her to wear these newly washed clothes despite some of the fragrance of the washing detergent remaining in them?

Q: My hair is very thin, especially my beard hair. If I make wudhu and do khilaal, then sometimes, few hairs fall off. 

I'm planning to do umrah inshallah. My question is that if I am in the state of ihraam and hair falls off accidentally while making wudhu etc., not on purpose, then will there be damm or anything necessary?

Q: Years ago I made umrah and then I made an overnight visit to Taif. Was I suppose to perform another umrah on my return to Makkah?

Q: Can one perform Umrah with one of those umbrellas that has an elasticated band and you can wear it on your head leaving your hands free... especially when the temperature exceeds 30+ degrees?

Q: If a person has shaved his hair after doing first Umrah and he does another Umrah after one or two days, he doesn't have any hair or the hair is little, it has been mentioned in kitaab that he should use a blunt razor blade on top the head to come out of Ihram. 

My question is that if a person can't find a blunt razor blade will it be permissible to use a hair trimmer on top of the head to come out of Ihram?

Q: If a person is in Hajj with his ihraam on and his friend back in South Africa phones him requesting to borrow his hunting rifle to hunt with, will it be permissible for him to lend the rifle to his friend?

Q: Is it permissible to separate tawaf rounds due to pain? 

Example, I did a few rounds of tawaf one day and a few another day until the seven rounds of tawaf have been completed? 

In the above mentioned situation, if a person is unable to do complete seven rounds of tawaf walking in one go due to pain but can do it separately like the above mentioned situation, will it be permissible for him to do complete seven rounds of tawaf in a wheelchair?