Interest bearing loans & Transactions

Q: I am an Attorney specialising in conveyancing. 

As part of the process, certain debts need to be paid by sellers before transfer is taken and the money is paid for them. 

Hence there is a service by third parties called bridging finance. They essentially give a seller a loan against the impending purchase price coming in. This service is probably a riba based model. 

I only refer non-Muslim clients to them. For that referral, the third party offers me a referral fee. Is that referral fee halaal for me ?

Q: There is a government youth development department here. There is a loan project and it was declared on the terms 9% service charge for women with no Riba. 

9% at gradually low rate. 

Is working as a youth development officer halaal there or taking the loan? 

It’s a charitable government department but yet there is that 10% service charge for men, 9% service charge for women, etc. rate for other gender.

Q: If one took a riba based loan, and he repents, should he repay only the capital portions of the loan or also the interest on the loan?

Q: Two parties want to enter an agreement: Person A wants to loan money to Person B. 

The amount is marked up by 10% and the repayment is over a fixed period e.g. 4 years. 

If there is a clause in the agreement to say that if you pay by 3 years, you will get R2000 back. 

Is the rebate of the R2000 clause permissible? Is the allocation of marked up shares permissible?

Q: I have a great academic background and I want to continue my studies abroad. The country I am currently living in is Afghanistan, so my financial circumstances are not good and for continuing my studies I am not going to be able to pay for my education expenses. 

Can I get a loan and this loan has been accompanied by interest. Studying abroad is my dream and I can make my future through this. So can I get the loan?

Q: Will it be permissible to take a loan from a person and in return, instead of giving them a profit share, could you give them an item of the stock that you will be purchasing with that same loan amount? 

Example, you loan R100 000 from a person to buy clothing stock. You agree to pay him on a certain date and then you give him a few items of that clothing.

Q: I took a loan on interest and I know very well that it is haraam in Islam, but now there is no way except this option. I have to get married and construct a house. A promise is coming in a few months time which is deadline to get married. Please tell me what should I do. 

Q: A student asked that she has no money and tried getting assistance but no one has offered her any help. Will it be ok for her to borrow money on which interest accrues with the passing of time. She says that's the only option she has currently and doesn't know what to do.

Q: I have a brother and a sister. My brother has taken a loan from a bank and has to pay back the loan with interest. My sister wants to open a fixed deposit with the intention of giving the interest earned on the fixed deposit to my brother so he can pay off his own loan. Can she do it, even when my brother has enough income to pay off the loan himself?