Outstanding debts

Hajj for a person in debt

Submitted by user2 on Sat, 2023-12-02 07:38

Q: I have question regarding Hajj. I have taken a loan from my father in 2018 of $65,000 for home purchase in order to avoid interest bearing transactions. Terms we decided were that I will pay when I have the ability to pay back and Alhamdulilah I have been paying back on a monthly basis and have reduced the remaining amount to $19000.

I have $70000 in 401K, cash balance around $8000. I own 50% of the house with my brother and a car (resale approx $5000 value).

My question here, is Hajj Fard on me right now?

If I decide to save for Hajj right now if Allah wills then it might be possible to save enough for Hajj (it might be possible that I may not be able to save enough or visa/qouta issue). But my loan from my dad will be still $19000. What should be my priority to first complete? If Hajj is not fard then can I go for Umrah?

Transferring one's debt to go for hajj

Submitted by user2 on Thu, 2018-03-29 07:27

Q: One Haj pilgrim owes a debt around Rs. 1.5 lakh and mortgaged her gold for debt. Is it permissible to transfer the ownership of mortgaged gold and debt to another person and then go for Haj. Will the Haj be valid? 

Going for hajj while paying off a mortgage

Submitted by user2 on Wed, 2017-11-08 06:48

Q: I would like to go for hajj and we have enough money for my husband and I to go but we have a house mortgage that we took 7 years ago ( I understand it is not allowed to take interest based mortgage but I was then advised by a local Mufti Saheb in England that as there are no other options and I had been paying rent for so many years it would be permissible as not for business purpose and purpose is to live in the house). I do not have enough money to pay it off but have enough for hajj. It will take me at least another 5 years to pay the mortgage off. Do we need to postpone hajj and pay off the mortgage first or can we go for hajj first?

Taking one's parents for hajj

Submitted by user2 on Sat, 2017-04-29 08:15

Q: I'm a married women who has worked and saved some money. I have two brothers and a sister. My parents are elderly now and they have never travelled anywhere. My father has some debt. Can I take them with my money for hajj?

Going for Hajj if one has outstanding loans

Submitted by admin on Sat, 2015-08-15 16:18

Q: Can one perform hajj if he has taken a loan but as Qarz e husana?

Paying off debts before going for Hajj

Submitted by admin on Tue, 2015-03-24 15:47

Q: I have a car loan with 0% interest and 20% paid as down payment. The rest 80% value of the car shall be paid within two years as installment. Otherwise the car will be taken by the Bank. So I need to know whether I can go for Hajj this year without closing this loan by handing over the responsibility to my brother and leaving the car with him to return to the bank in case I am not able to repay due to death.

Hajj not being compulsory if one has outstanding debts

Submitted by admin on Wed, 2014-04-09 15:33

Q: I have a question regarding the obligation of Hajj.

I am a convert to Islam.  I got married in 2013 and had a baby last year who is now 7 months old.  My husband and I would like further children insha Allah and as I am now 33 years old we would prefer to have another child as soon as possible. We are thinking about going for Hajj this year. My husband has already
performed Hajj in 2010 but I have not had the opportunity so far. I have a few concerns with regards our obligation to perform Hajj this year:

1. Our little baby will only just have turned one when we travel and as I am breastfeeding I would have to stop in order to perform Hajj.  I am worried about leaving him (he would stay with my husbands parents) but also realise that if we do not go this year, we may find it even more difficult in future years if Allah gives us more children.

2. If I do become pregnant prior to Hajj, is it permissible to postpone Hajj due to pregnancy and fear of causing harm to the unborn child.

3. I still have some outstanding student loan that I took out when I was at university before I accepted Islam. The repayments are linked to my income and taken out of my salary each month.  I believe that I still have a few thousand pounds outstanding and the loan does have a small amount of interest attached to it (linked to inflation). Hajj will be jointly funded by myself and my husband. I do not think that it will be possible to pay off the student loan and still have the funds available to go for Hajj. Would it be permissible to travel for Hajj with any of this loan outstanding?

Going for Hajj when one has debts

Submitted by admin on Tue, 2013-05-21 15:21

Q: I will be embarking on Hajj this year, Insha Allah, and I want to find out what my correct Islamic duty is with regards to fulfilling long term debts. Do I have to pay the complete amount or ensure that the payments due within that period will be made?

Sponsored for Hajj despite owing a huge amount

Submitted by admin on Sat, 2012-09-08 09:47

Q: If a person has a huge debt to settle, is it permissible for him to go for hajj if he has a sponsor? The people that he owes have been waiting for a long time for their debts to be paid.