Q: Many conventional banks have products called ‘Offset’ Mortgages. These are mortgages whereby: If i have a mortgage of 50K and savings of 50K the savings offsets the interest on the remaining mortgage value. So in the above case 50K mortgage, 50K savings means zero interest. Hence, is it permitted to take a conventional mortgage whereby […]
Read more...Tag: Miscellaneous Fatwā
Is Gym Membership Allowed?
Q: To my understanding, Breakdown Cover is not allowed due to gharar. Does the same principle apply to gym membership, in that I am paying a monthly fee when the usage of the service is not known, I may use the gym every day or I may not use it at all but at the end […]
Read more...Is it permissible to use copyrighted materials for business use?
Q: Is it permissible to use copyrighted materials for business use? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: The issue of copyright is a disputed issue amongst Muslim scholars. Some scholars accept the concept arguing that there is no express provision in the Holy Qur’an and Sunnah that restricts ownership to tangible property. Others scholars […]
Read more...Is it permissible for me to ask a colleague who is a student to use his student identification to get the discount, knowing that it’s for me?
Q: I want to buy some software for my computer for the overall benefit of the charitable organisation I work for, is it permissible to ask a colleague who is a student to use his student ID to get the discount, knowing that it is in fact for my work usage? Will my colleague be […]
Read more...Would one be held liable Islamically, it they were to die before paying off thier student loan?
Q: When one dies still owing some student loan, it is written off. What is the Islamic perspective on this? Will we still be held accountable for this in front of Allah? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: As the loan is written off the borrower will not be held accountable for not […]
Read more...Can I be held liable for the tax evasion of my employers?
Q: What is the ruling on tax in Islam; specifically, employment tax? If I have a job where I am given cash in hand, so that the company can avoid tax, would I also be liable for escaping tax? Alternatively if I am hired privately to do a one off job, for example to paint […]
Read more...Is a husband obliged to pay back the debt of his wife?
Q: Is my wife’s student loan something that I as the husband should be considering repaying back on her behalf, on the basis that she may not go back into employment? Does the loan become the husband’s responsibility? What if the husband is currently in the process of clearing his own personal debts? الجواب […]
Read more...Is it permissible to give to charities who fund military arms or tobacco investments?
Q: Is it permissible to give charity to organisations if one knows they are funding military arms and tobacco investment? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: Military armaments can be both permissible and impermissible depending on the situation at hand. In fact, they can even be an obligation such as when needed for […]
Read more...Is it permissible to under declare my income for benefits?
Q: Is it permissible to at least under declare my income just so I can make housing more affordable for myself, since private housing is so expensive in the City? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب It is not permissible to under declare income so as to receive more benefit than one is entitled […]
Read more...Is it permissible to take out warranties on car repairs?
Q: Is it permissible to take out warranties on car repairs and parts, and to what extent? There is a scheme available, for £100 a year, where if any problems with the car, the policy covers both labour and parts. الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: Such warranties are a form […]
Read more...Is paying back a student loan a requirement before going on Hajj?
Q: My husband and I have applied to go on hajj this year inshAllah. I was reminded by my husband however that I have not paid back my student loan of £9000, which i took out before I got married, to help pay fees and expenses of 3 years of a degree in Medicine. I say […]
Read more...What types of contracts may relate to a minor and what basic rulings apply?
Q: What types of contracts may relate to a minor and what basic rulings apply? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: There are three basic types of contracts that may relate to a minor: 1. Contracts that are only beneficial for a minor. E.g., acceptance of gifts, charity or wills. Such contracts do not […]
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