Business and Dealings

Gifting the house to one's son in one's lifetime

Q: I purchased a house and, during my lifetime, gifted it to my son. I completed the gift (Hibah), and full possession and ownership of the property were transferred to my son, with the property registered in his name. 

My question is: After my death, will this house still be considered part of my estate tarikah) and subject to Islamic inheritance laws, or will it remain my son's sole property since I gifted it to him during my lifetime?

Voting in a democratic election

Q: Can mufti saheb provide guidance on the following two questions regarding taking part in democratic elections: 

​1. Is voting in a democratic election regarded as a religious obligation (such as Amr bil Ma'ruf wa Nahy anil Munkar), and is it correct to cite Surah Ali imran (3:110) as a proof for the permissibility or necessity of voting? ​

2. From a Fiqhi perspective, is a vote regarded as a form of shahadah (testimony) where the voter bears witness before Allah Ta'ala regarding the candidate's character and eligibility of leadership?

Claiming from one's friend who invested one's money with a third party

Q: I have a friend who makes investments with various investors' money and gives a percentage of the profits to the investors. 

This friend approached me and asked for some money to invest. He informed me this time that the investment would be made by a third party, and when that third party have the profits of my money, he would keep 40% and give me the remaining 60%, and I agreed. The partnership went on for some time, but the third party stopped giving the profits and isn't even returning the capital. 

My question is whether I could claim from my friend and hold him responsible for paying the debt, since he was the one who took the money from me. 

This friend of mine had a check as collateral given by the third party. He let the time pass before he could claim from the authorities using the collateral check. So there was some negligence in his side as well.

Being charged a monthly credit facility fee on a credit card

Q: I am using a credit card for which the monthly bill is issued on the 1st of every month. If I do not pay the bill by the 15th, the bank automatically deducts the full outstanding amount from my account. I use the credit card only to avoid exposing my debit card details to merchants or hypermarkets. Is this halaal? Alhamadullah, my account never runs out of balance. What is the ruling?

Charging the EFT charges when giving someone a loan

Q: My friend asked me for a loan of R10 000. He said that he will pay me back the R10 000 after a week. There is no extra amount that I asked him to pay over and above the R10 000. However, since he asked me to eft the amount to him through which my bank will charge me R7, I asked him to pay my bank charges i.e. to pay the R7 which my bank will be charging me to do the eft. Is it permissible for me to take the R7 from him for the eft charge?