Business and Dealings

Medical insurance

Q: I live in a country (Saudi Arabia) where medical facilities are very expensive without insurance. My employer has provided me medical insurance but it is not from good company. Can I buy medical insurance myself? One Dr Consultation is 300 riyal where as medical insurance from best company for whole year is only 750 riyal and my salary is only 4000 riyal. And also I'm going through an illness from long time. Please guide.

Working for a bank

Q: My cousin has done diploma in civil engineering. Recently he got a job in a bank, where his duty includes monitoring the construction, maintenance and repair of bank's buildings. Is his income halaal or haraam? Can I eat something he offers when I visit his place?

Questions relating to the sale of a house

Q:

1. YYY wanted to sell his house(2003). He gave ZZZ(sister) three payment options viz a. Cash price – once off payment of full amount b. Terms price c. Rental Option

2. ZZZ chose the cash price option and paid a deposit

3. ZZZ then made a few minor payments.

4. ZZZ and her husband came to YYY house(2004), and said that they went to the bank for a loan but because of FICA documentation they were still in the process of finalising the loan. At this point, they asked YYY to consider if he will not let them pay off the balance at the amount the bank was going to charge them. YYY did not give an answer to this. How does this affect the transaction as the negotiation process was now put back on the table?

5. In 2006, YYY advised ZZZ that she hadn’t paid the full price as promised, hence YYY requested a renegotiation of the sale

6. Repeatedly over the course of time, YYY advised ZZZ not to continue depositing the money until the whole situation was settled and a shariah ruling was obtained

7. As the brother, YYY did not want to give his sister notice to vacate the house as he did not want her to be on the street

8. There was no consistency in any payments. Payments were made erratically.

9. ZZZ continued to deposit money into YYY account even when requested not to do so until the sale was clarified.

10. Despite being a cash sale, ZZZ paid the money over 10+ years at the cash price and now wants transfer of the house

Please advise on how YYY should proceed.

Forcing the purchaser to purchase the item after giving him a refund and cancelling the sale

Q: I made an online purchase from China. The seller said that he will refund me if the product did not arrive within six weeks. After six weeks, the item did not arrive so he refunded me. However, the item then arrived after three months. I contacted the seller and informed him that it has arrived, but since I no longer require it, he must arrange collection for it. The seller said that it would be too expensive, so he is insisting that I must pay him for it. What should I do? If the seller doesn’t arrange collection then what should I do with the item?