Business and Dealings

Government expropriating land and selling the apartments on the land

Q: If the state forcibly buys out housing in the city center from residents and evicts them to the outskirts in order to build new luxury buildings on that land and then sell them to new buyers, is such a transaction considered nāfidh (legally effective)? 

Is the work of a real estate agent selling these apartments lawful? Is the purchase of these apartments by new residents lawful, or does the sin and illegality rest only on the developer who organized all of this and promoted his interests among government officials (obviously through bribes)?

Taking one's right from one's employers who never pay one for few months

Q: My company does not pay me on time. Salaries have been delayed for over 6 months. Now they have allocated money for a project. But the client has already completed this project and the company does not know about it. 

Can I take this money and use it for my personal expenses as the company does not pay me on time at all? I am the one who is controlling the cash flow and only I will know about it.

Is there "Islamic" insurance policies?

Q: I have noted responses indicating insurance and any policy that covers estate costs and costs associated with death is Haraam. There are companies like Tazkiya and Capital Legacy that say they have Shariah compliant policies including life insurance and these are accredited and supported by learned people in some cases but in the main they are validated by Muslim people. What are the views regarding this?

Being charged 'Processing fees' when buying on installments

Q: I am seeking guidance regarding a matter related halaal and haraam. 

I live in the United Arab Emirates, and we are not very well off, we struggle at times to buy things apart from the necessities. 

There are two fintech companies TABBY AND TAMARA. 

Tabby was shariah compliant initially when they started, splitting each bill into 4 installments and so was tamara. Tamara is still 4 installments. But tabby has now introduced installments in 6 months, 8 months and also 12 months and when they started here, there was a fatwa on their website too, they don't say that it is interest, there's an extra amount that they charge which they call processing/service fee, I want to know is that interest? I have multiple payments spilt across because I did not know it and just realised it, also because initially there were fatwa on the tabby website. For tamara, there is also a fatwa and they have mentioned names of scholars who have given fatwas 

All of the shariah resolutions are attached on their website too, so I want to know if what they calling the 'Processing fee' is not interest and allowed for me to use as it is really helpful, and if it is not, then I have multiple payments spread across both companies and I am not in a position to pay it all off as we struggle big time financially. As someone striving to act in accordance with the teachings of Islam, I want to ensure that my actions are pleasing to Allah Ta'ala.