Interest and Gambling

Q: I am working in a private software company from the last 10 years and over the few years, my bonuses and some part of salary amounts are not received (approximately 6 lacs INR) from my Employer due to financial issues of the company. I trust my Employer and there are no issues there. However, it is difficult for my employer to pay me that much amount to me and as the current trend of company, if ever they have to pay, it will take at least 2-3 years for me to receive my money and that too in several installments, which will not be much use to me. So here is what I am planning. I wanted to ask my employer to buy a car for me (its current worth is 5.2 lacs). The employer can take it in form of EMI and can buy me the car, so that he can take care of paying monthly installments. But here, with EMI, the car amount will become 6 lacs (because of EMI, interests, etc).

1. Now if I take the car and consider that as payment for my 6 lacs amount, it looks like I have taken the interest, because my money went in buying the car as well as paying the interest amount. Is my understanding correct? Is there a way for me to execute the plan without me taking the interest?

2. Can I ask my employer to pay me remaining 80k (6 lacs - 5.2 lacs) separately. So even though the car costs 6 lacs (due to emi), the company takes care of the additional 80k. My money 5.2 lacs only goes towards the actual cost of the car and not towards interest. Is this correct way of asking company to take care of additional burden?

3. Is there any other alternative way?

Q: If a women whose husband is dead, has no son and nobody who can finance her needs, use the interest earned on the large sum of money deposited by her husband in a savings account during his lifetime? She has one daughter (separated from her husband) with her who also has nobody to earn for her. Can she also use the same interest money?

Q: The ATM machine didn't work properly and the money didn't come to my hands but the money was deducted from my account. Can I cut this money from my interest money. I was taking out money for personal use.

Q: I want to find out the fatwa or the ruling regarding medical aid and hospital plans. Is it acceptable or not?

Q: I need a loan from the bank, but they are charging interest. Can I take that loan or I will find another bank that gives me an Islamic loan.

Q: Is Health insurance policy, life insurance policy etc is permissible in Islam? Kindly send some reference of hadith and Quran also.

Q: What types of banking accounts are permissible to open? Can I open a savings account with the intention that I will deduct the amount of interest earned from the total balance every month?

Q: Is trading using binary option on any thing from currencies to commodities halaal or haraam? Please could you let me know on this issues?

Q: Is home insurance haraam? It does deal with interest, but so does car insurance.

Q: Regarding the diners card, which many people take out to get access to airport lounges across the world. The cost is R695 per year. According to the website: Airport lounge entrances are part of 15 complimentary visits, provided R12 000 spend is met on your account in the quarter of your visit. A quarter is defined as the calendar months between Jan - Mar, Apr - Jun, Jul - Sep, Oct - Dec. I know Mufti saheb has mentioned that all benefits from the bank are not permissible to use such as ebucks, FNB slow lounges etc,

1) Is it permissible to obtain and use such a credit card and the associated benefits and lounges? Provided one does not earn/pay interest, and keeps a positive balance on the card.

2) A person went for jamaat where a few sathies had this card. If a cardholder has guests that also want to enter the lounge, they can pay a fee of approx R250 and enter the lounge with the cardholder. So a sathie who is very strict not to use fnb slow lounges, ebucks etc was compelled to enter as the whole jamaat was agreed on entering and he didnt want to split the jamat. This R250 fee is especially for guests of cardholders and normal people wouldnt be able to enter. Is it permissible to pay the R250 (not being a cardholder) and enter the lounge and restaurant? If a person had done so, and Mufti sb views it as impermissible, what should he do to correct his mistake?