Order to take a loan for a house from a bank in a non-Muslim country

QUESTION

 Order to take a loan for a house from a bank in a non-Muslim country

ANSWER:

 Usurious transactions are absolutely forbidden and considering it halal is tantamount to leaving the faith, but often the position of Muslims living as a minority in non-Muslim countries is reversed.  Because in non-Muslim countries the prohibition of usury cannot be applied in the same way as it is in Islamic countries.  Whether or not the order is enforced is not a matter of discretion, but an issue of ijtihad nature.  Therefore, there are no rulings in this regard in any jurisprudence book.  The reason for this is that during the rise of Islam, Muslims did not settle in such a large number of countries with a usurious economy, rather non-Muslims came and settled in Muslim countries.  But now due to the period of decline, many Muslims have started immigration to non-Muslim countries for the last century, later they started getting civil rights there.  Now they live in non-Islamic and usurious countries, where there is no facility to get interest-free loans.  In such countries, if Muslims are deprived of bank facilities, they will neither be able to buy a house nor do any business and will be far behind other communities.

 We also have to see that the Muslims settling in the non-Muslim governments of the western world are taking salary, social security, child benefit, medical benefit and pension etc.  and the governments there are giving all the benefits including social security to their citizens with the same amount.  Therefore, it is impossible to avoid usury or haram there.

 There is also a rule of Sharia that when Muslims are living in a non-Muslim country where the system of Islam does not exist and the government and system of infidelity is running, then when Muslims on the one hand use non-Muslims for their livelihood, residence and business.  While paying taxes to the government, on the other hand, as a citizen, one can benefit from all the facilities of their system.  Muslims are in the minority and the law is not in their hands to abolish the usury system, so certain rules will not apply to the Muslims living there.  Without bank accounts, buying and selling, salary collection and business are not possible, whereas the entire banking system is usurious.  Therefore, due to the state of exception, Muslims are in the minority and because the system is not in hand, some rules will not apply to them.  For example, pigs, carrion and alcohol are forbidden, but in exceptional cases, the law of Islam is different.  Allah says:

 Then the person who is forced to do so is neither disobedient nor excessive, there is no sin on him (in eating to the extent of saving his life).

 Al-Baqarah, 2: 17

In case of unavailability of halal, the use of haram is also being allowed.  With this exception, the haram does not become halal, but its use is permitted.  That is, interest does not become halal, but due to the change of situation and emergency situation, some exceptions are found.

 No Muslim in the Western world can get bank facilities if usurious loans are ruled out.  While there, collection of salary, obtaining loan for business and residence, etc. are all under the same usurious system.  If Muslims boycott the banks there, no Muslim will be able to build a house, trade, set up a factory, any business will become impossible, even Muslims will not be able to build a mosque, then Muslims will only be there.  will be left for labour, their economy will become unstable, due to which the whole Muslim society will be uprooted there and Muslims will go around begging.  In other words, it will be difficult to survive in this system, thus Islam, which is spreading rapidly in the western world, will start shrinking and the survival of the entire Muslim society there will end.  Therefore, the survival and survival of Muslims in a non-Islamic society today is an exceptional problem.

Therefore, in view of this collective emergency, for Muslims living in the western world, where there is no interest-free loan facility, there is a leave to get a mortgage from the bank for basic needs such as housing, business and health.  .  If it is not possible to get an interest-free loan even in France, you can contractually repay the bank installments with interest.