Ijaarah

Cancelling accommodation

Q: I currently live in a hostel. I talked to another hostel owner to book a room. He kept a room for me for over 4 days and he denied other people who wanted that room. Now in the morning, the current hostel warden showed me another room with fewer charges and I decided to stay in the current hostel and not to shift. Now, if I stay, did I go against my word (wada khilafi)? I am feeling extremely guilty and I am starting to worry about my beliefs because of the backing out. Can I just say sorry and give some fine?

Leasing a car from the bank

Q: I am a government employee. I got my car by signing a lease with the bank on a monthly installment for 7 years. The actuall price was 15 lacks but the bank gave it to me for 23 lacks which is too much. Now I am not comfortable with it. Is it interest as all the banks in pakistan are based on interest. 

Earning through doing class assignments and exams for people

Q: I have a question regarding one domain of modern day freelance work. People contact me through the freelancing website (where I have my profile made that mentions the subjects that I'm expert in) and ask me to do their class assignments and projects. Sometimes, they also require help on their tests and exams both online and inside the class. We decide a price with mutual consent and I get paid once the work is delivered.

Now I have a couple of questions:

1- Is this mode of earning permissible?

2- If not, then what about all the money that I have earned and spent on myself and my family till this time and this amount will turn out to be not so little as I've been working in this mode for last 2 years.

3- What about the profits and investments in the property and other traditional businesses that I have done using this money that I have earned from the above mentioned work mode?

4- What about the savings that I have in hand for the time being?