Conditions & Fundamentals of Hajj and Umrah

Q: I have a few questions regarding Tawaaf:

1. When making استلام بالاشارة must one raise the hands upto the ears (as in Salaah) or in line with the shoulders? Also, does one stretch out the arms (as if touching the Hajar e Aswad) or must one keep the hands in line with the body?

2. Thereafter, when kissing the hands must one kiss the fingers or the palms?

3. When making استلام بالاشارة in which direction must the body face? In this regard is there a difference between the first Istilaam & the subsequent ones?

3. When making استلام بالاشارة during the course of Tawaaf does one stop at the Hajar e Aswad, make Istilaam & thereafter continue walking, or must one make Istilaam while walking?

Q: In the state of ihraam, can one use a belt to keep one’s money, etc.? 

Q: If you made tawaaf after asr, do you read wajibut tawaaf at that time or after maghrib?

Q: I would like to go for hajj and we have enough money for my husband and I to go but we have a house mortgage that we took 7 years ago ( I understand it is not allowed to take interest based mortgage but I was then advised by a local Mufti Saheb in England that as there are no other options and I had been paying rent for so many years it would be permissible as not for business purpose and purpose is to live in the house). I do not have enough money to pay it off but have enough for hajj. It will take me at least another 5 years to pay the mortgage off. Do we need to postpone hajj and pay off the mortgage first or can we go for hajj first?

Q: I follow the shafi mathab, regarding cutting the hair in ihraam (I wear a wig):

1. The sides and back of my hair is my own - How much of this must trimmed?

2. The top part is bald with fine hair - can I shave that?

Q: I'm male and suffer from male pattern baldness and as a result I'm wearing a wig to only cover the top part of my head, the rest of my hair is my own.

1. Am I allowed to wear the wig while I perform Umrah?

2. If not, and I continue wearing it do I have to pay dumm?

3. How much is the dumm and what do I need to do?

Q: A person went for Umrah. After a few days he decided to go for ziyarat to Taif (up to Masjid Abdullah bin Abbaas radhiyallahu anhuma) from Makkah.

1. Was it necessary for him to return with Ihraam back to Makkah?

2. If yes, then what is the penalty as he is now back in South Africa. 

Q: I recently went for Hajj alhamdulillah and I benefited a lot from the audio bayaans of Maulana Saleem Dhorat sahib and also a guide to Hajj booklet by Maulana. May Allah Ta'ala reward him abundantly aameen. It so happened that when we got to Muzdalifah, and after performing our maghrib and Esha prayers, we had something to eat and slept. Our group leader told us to get ready to move and we left Muzdalifah for Mina before Fajr. I was the only Hanafi. I had no alternative but to follow. So as I missed the wuquf from Fajr onwards, is dam wajib on me? 

Q: Will my wife be halal for me if I do not perform tawaf ul wida and go back to my country?

Q: If a person wears ihram at the airport and offers 2 rakat ihram salaah and then makes niyyat in the aeroplane before passing the meeqat, is that correct?