Q: Most credit cards have a facility where a person is allowed to use credit up to a certain amount and if it is paid back to the back within 55 or 60 days etc then no interest is charged, however from the onset the client and the bank are fully aware that if the client fails to pay within that time limit then interest will be charged. Is it jaiz for the client to utilize this facility and pay in the money within the time limit?
Q: I require a clause for the following Tenant to undertake only to sell coffins only and not to sell insurance policies or funeral plans.
Q: Can Interest money be used to pay unjust fines, e.g. Tax, border fines for paperwork mistakes! I’m not saying on speeding fines? But on those things that we know are unjust!
Q: I would like to find out the following:
If one has to sell electricity from a vending machine, the service provider gives you a discount of 1, 5% on the sale of the electricity. Can one charge a customer and additional 5% on the sale of the electricity {e.g.: a customer comes to buy electricity from you for R20-00 but you charge him R21-00 for the sale. On the customer’s slip they will see that they have only purchased electricity for R20-00.) The cost incurred by me is that I will have to pay the cash deposit fee of about 1%, a monthly unit rental fee of about R150 per month. Is it permissible to do this type of a sale?
Q: Is it permissible to sell fireworks to non-Muslims for new years?
Q: Can I sell an item in my shop that I don’t have in stock? For example, I sell bathroom ware. A client wants a bath tub and pays for it. I then accept payment, purchase the bath tub from the wholesaler and deliver it to the client’s house. Is this permissible?
Q: I own a certain property. i have rented it out and i collect the rent from it every month, after my death, i want this house to go to my daughter,so what i did,i have decided that i have sold her the house for half a million rand and the rent that comes in every month, that is her way of paying me,and if i die before its paid, its maaf, i already transferred the property on her name?
Q: I have acted in error and require your advice in the following matter:
As a result of the sale of mtn shares, I transferred monies from the share trading account into an Albaraka investment account which operates like a fixed deposit account. After a few weeks I realised that I had (due to my own error) actually transferred some interest monies as well. This investment account has been earning profits. The percentage of interest monies at the time amounts to 6.5%. Due to the fact the Albaraka account operates as a fixed deposit, I cannot access the monies immediately. Is it permissible for me to take out 6.5% of the entire investment account from other halaal sources and distribute this as interest monies. Will this make up for my grave error?
Q: I have know that taking out a medical aid policy is impermissible. However, will a person who has a chronic illness and is always in and out of hospital be able to take out a medical aid policy due to the lack proper health care in the state hospitals? Similarly, i know of a hear patient who is supposed to be getting medication from the state, but due to the poor conditions at hospitals, at times he either gets his medication late or not at all. Will he be able to take out a medical aid policy in order to get his medication from a pharmacy due to the exorbitant costs of the medication?
Q: My supplier is refunding me my payment from malaysia after 3 years. I transferred 33510 us/dollars 3 years ago. I transferred around R260 000, which was 33510us/d. He is transferring bak to me 35000us/d [a little extra] but conversion to rands will be around R240 000. Does he have to transfer exact dollars bak or how does it work because i may leave us/dollars in account until i get a better rand rate? Please let me know the correct way.