Taking an interest bearing loan to save oneself from paying tax
Q: A person deals mostly in cash and does not deposit in the bank in order to avoid showing too much income and paying exorbitant amounts of tax to the government. However, he cannot purchase large items such as properties and cars etc as it has to be done with "legal" money.
The only way out for him will be to take a loan from the bank in order for his purchases to be recognized legally. He will offset the interest payable with the interest he receives from his bank account.
Can this be a valid excuse to enter into an interest bearing loan with the bank?
A: Hazrat Jaabir (radhiyallahu anhu) reports that Rasulullah (sallallahu alaihi wasallam) cursed the one who consumes interest, pays interest, the scribe of the interest-bearing deal and the witness to such a deal.
After studying this hadeeth, you will be able to understand whether it is safer to take this type of a facility just to save yourself from tax or to abandon it.
And Allah Ta'ala (الله تعالى) knows best.
یٰۤاَیّهَا الَّذِیۡنَ اٰمَنُوۡا لَا تَاۡکُلُوا الرِّبٰۤوا اَضۡعَافًا مُّضٰعَفَةً وَ اتَّقُوا اللّٰهَ لَعَلَّکُمۡ تُفۡلِحُوۡنَ (سورة آل عمران: ١٣٠)
الَّذِينَ يَأْكُلُونَ الرِّبٰوا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطنُ مِنَ الْمَسِّ ذَٰلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبٰوا وَأَحَلَّ اللَّـهُ الْبَيْعَ وَحَرَّمَ الرِّبٰوا فَمَن جَاءَهُ مَوْعِظَةٌ مِّن رَّبِّهِ فَانْتَهٰى فَلَهُ مَا سَلَفَ وَأَمْرُهُ إِلَى اللهِ وَمَنْ عَادَ فَأُولَـٰئِكَ أَصْحٰبُ النَّارِ هُمْ فِيهَا خٰلِدُونَ ﴿البقرة: ٢٧٥﴾
عن جابر رضي الله عنه قال: لعن رسول الله صلى الله عليه وسلم آكل الربا، ومؤكله، وكاتبه، وشاهديه وقال: هم سواء (صحيح مسلم، الرقم: 1598)
عن عبد الله بن حنظلة غسيل الملائكة رضي الله عنه قال قال رسول الله صلى الله عليه وسلم درهم ربا يأكله الرجل وهو يعلم أشد من ستة وثلاثين زنية ( مسند أحمد، الرقم: 21957)
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