Interest bearing loans & Transactions

Q: I want to buy a home and without mortgage it is impossible in the USA. I also know about riba. What I need to do. Please advise.

Q:

1. I would like to purchase a vehicle but I do not have the capital. Can I purchase it through the bank with a fixed price?

2. Are medical aid and hospital plan permissible? If not, what is the alternative?

Q: I live in muscat. I bought my car on hire purchase. The total price of tyre car is 8000 rials but on hire purchase its 8500 rials. So firstly is this halal?
Secondly. Last month I couldn't pay the car installment due to eid and ramadhaan so now they told me that I have to pay 5 rials to postpone that installment in the future so is this halal? The installment will be the same but I will have to pay 5 rials to delay this installment. Is this halal?

Secondly I bought a credit card and if I pay the money used by the card in 52 days then no interest will be charged but I have to pay a small amount
monthly that is for the card not for the money I use from the card so is this halal?

Q: If a person works at an accounting office that deals with tax and due to no fault of his own the government reassesses the tax liability of a previous period and charges it say a year after with interest and penalty. Is it haram to pay that? What if the accountant has to submit the payment since he deals with the account, is he liable for the sin too? Since he is not involved with the deal, it is not his account and he is not the scribe for the deal nor did he witness the contract?

Q: Is it haram to pay interest is one is forced to? For example if the government charges you a tax penalty and includes interest in it, is it haram
for you to pay it? What if you're writing a check on someone else's behalf, is it haram for you to write it?

Q: My brother does not have own house and is planning to buy one with the help of bank loan. Will he be entering into any sin by doing so?

Q: I am asking a question on behalf of a trust who runs musjids and madressas, schools and clinics. We had a executive committee meeting in which couple of members said to deposit excess money which we have in an interest bearing account and use that money for Roads, Toilets, Walls, etc. There was disagreement, most members disagreed and but was agreed to ask Mufti to address the question.

Q: Are any of the following Interest Transactions?

1. If a person says "Buy this item for me when you go to the supermarket, it costs R40,but I will give you R50 tomorrow?
2. Loan me R40, I will give you R50 tomorrow, the extra R10 is a gift?
3. A person gives me R50 and says "Go buy this item for me, it costs R40 and you can keep the change?
4. If the person insists on giving the extra amount even when I tell him that it is Interest, what should I do with that money?

Q: Can we buy home loan to avoid income tax? Income tax is also indirect interest. Instead of paying it to the Government can we pay to bank as interest? or do we have an alternative to avoid it which benefits us?

Q: I heard a hadith that says the dua of a person is not accepted if the source of money for his food, for his drink and for his clothes is haram even if he says "Ya Rabi" (my lord). Does this haram money include interest-based loans? I know that taking out interst-based loans is haram. But once you have the money, is that money itself haram to use? I use my student loan money to pay for my university tuition and fees. Any money that's leftover from my loan is used to pay for my rent and my food. I try to make tawbah (repentance) for getting involved in this sin, but is my repentance accepted? Or is my salah  and dua invalid? Is it haram to fill my gas tank with this money or drive anywhere or buy my groceries? I try to eat home-cooked dinners prepared by my mom (from my dad's halal income - which isn't enough unfortunately to pay for my loan).