i can't buy a house in america without mortgage i have to take a loan Dr Zakir Naik  

MashaAllah

I am from Australia too struggling for buying a house but you can buy house only on mortgage and that's Haram

Brother you will house in Jannah

ameen ya rabbil alamaeen . me 20 years almost in usa can't buy a new car / house but Alhamdulillah happy

Same brother Khurram. I have been living in Australia for 4 years and got to know that the only way to get your own house is to follow the bank loan process/mortgage. Same case, I want to avoid it as well. I also bought a second hand car when I was able to get it on finance. May Allah give is isteqamah.

You’re just making the corporations rich. Btw those apt complex are built on riba money also.

@@Believer1995ofGod so he needs to live on the streets? the landlord can charge you interest if you are delaying payment . he doesnt pay interest thats the most important thing , the apt maybe build on interest but what has that do with him.

MashAllah MashAllah

mashaAllah

May your heart be at easy and full of bliss by the will of Allah. BarakahAllah for you kind and understanding choice. You give strength to those who feel alone in this world, mashaAllah :)

Alhamdulillah

These people don't know how banks work

Alhamdulillah, please make dua for us to build a house of our own without loan

@@rikishi555 dear it is very unsafe to buy house on loan cause most of people r in private job so future is totally uncertain . and if u skip 3 consecutive emi then bank will auction ur home with out ur permission . so best way to buy house without loan weather it is small one . and have peace of mind.

@@hinaali3232 yes, poor people don't know how to make money. They must stay poor. Never borrow. Always stay poor.

Taking interest is Haram, but buying a house by taking mortgage, here we are paying interest is it Haram too?

@@SaleemKhan-jb8dq Yes. Riba is one of the easiest way to get to hell.

@@SaleemKhan-jb8dq taking or giving riba both are haram just as taking or giving bribe both are haram. signing any contract which has interest clause in it is haram. believe in Allah's guidance, and trust Him only. it may seem like a difficult choice but Allah knows what is best for us.

Rent is also ribbah and haram. According to Quran, Allah says all the land and universes belongs to Allah. So how someone can share a fix percentage on house when its belong to Allah?

@@DesignbyBK by your logic nothing can be bought or sold

Same here. If you stay away from something that is prohibited by Allah and be patient, Allah will give you even more. Alhamdulillah! May Allah guide us.

The issue is you buyed the house with full cash upfront but YOU DON’T ACTUALLY OWN THE HOUSE! you are still a slave to the government and they own you. Just stop paying property taxes and watch what happens!! It’s a sad 😞 feeling brother

Did you paid tax? 99.99% of Muslim friends don’t pay tax😂😂😂.

@@Shaftaloooooif somebody is so committed to their religion that they’re willing to wait and wait and wait for the sake of their creator and to please Him, by not getting a mortgage and going the easy way. Why do you think that person will cheat the maker, let alone the govt. and evade tax? I’m sorry but it sounds senseless

@@50CenT123smoke Conflict of interests, today many of my muslim friends evade tax, cheat the government, take advantage of government benefits. They think money going out of their wallet is Haram but coming into their wallet is okay. I’m originally from Afghanistan and surprised that tax evasion is very common among South East Asians and Africans.

May Allah SWT grant you all the success of this life and here after.

Jazakallahukhair Br. May Allah grant you Jannah Amin

And riba is not fixed. And can couse you lose your home

Ameen

Ma Shaa Allah brother May Allah keep us on His path. Aameen

What’s your job dear brother?

May Allah bless you.

Ameen

Most Muslims will die without owning a house

Ameen may Allah grant you the risq to buy a house cash with no interest

but when you pay rent your paying for someone elses interest most house on rent are paid by interest repayments

Pls make dua for me sister

allhaaa is a false god...

@@vkrajuk these beggar bags don't have anything else to do but follow a false cult.

@@ayishasideeka8029 zakir madherchod is the biggest gay

May Allah reward you and us all brother

Your house owner is having a mortgage.. You are helping him to pay his mortgage.. Stupid laws reminds old school jewish laws 😝😝😝. If you are in pakistan.. Do you know the foreign debt of pakistan...The prime minister still begging to west and taking debts and paying interest. The non interest system in islam is a hypocrisy...This is same as people can't consume pork but government can inject the whole Islamic country by a vaccine made from pig 🐖...

Why don't you buy a small townhouse or a condo in outskirts of the city?

subhanallah brother you are strong.

@@halfvolley11 so I can burn in hell??? No thanks.

Alhamdullillah brother! I'm very glad you didn't take ribbah! Alhamdullillah, Allah has guided you MashaAllah! 🌦️🤲🕊️

@@zunairahmed2560 May ALLAH always keep us steadfast in our Deen.

@@bobgame763Allahumma Ameen! 🤲🕊🕊

May Allah SWT keep you steadfast on deen.

If Allah tests you it’s going to be hard but if we do something haram it’s not going to help the state we are in. May Allah forgive us all, we are weak! The mutawa is a fool not an Alim in the Islamic field, he’s Alim in shaytani field. Instead of giving you this advice he should have kept his mouth shut. Mullahs in Bangladesh and south east Asia are corrupt except for a few, a real one is hard to come by.

inflation is much bigger now than any mortgage rate. Riba was prohibited in time when money were golden. Now money is paper that has no value. So if we keep them they just depreciate. And mostly riba prohibited in a way as to give money to others and charge percentage. Because golden money never deprecate. It has some value after 1 year and 10 year also. But paper money returned after 10 years will depreciate maybe 10 times in some countries. So think deeper and wider please. So making your money depreciate and paying rent for buildings that also built on percentage money is not the best way to show Islam. Be humble, kind, nice, generous, honest - this is better way to show Islam for people overseas.

@@user-bd8lu9id1r fine in 21 century without drinking alcohol promotion at job is harder, so I will drink alcohol as well = same concept as protecting economic value of your asset. There are many rich successful people who live on rent in New York.

@@ahmedzakikhan7639 no it’s not same At all. When person land 10$ and ask after 10 years you give me 15$ his intention is not to get more, but just to keep his money in value. But if we speak about golden coin it has value even after 100 years. Same with flat. If you save , your 10 ths today will become like 1 thousand after 20 years. So if inflation rate is same as mortgage you are not actually paying anything extra. However if we buy apartments with gold coins it’s another story.

@@ahmedzakikhan7639 it’s all about intention. We are not allowed to charge people purposely and put them in debts. But if inflation is that high it’s actually lending 10 dollar and getting back 1 dollar. Islamic banks charge more than normal banks. Why? Because they also just try to protect themselves from inflation

@@user-bd8lu9id1r When people run successful business at managing night clubs or bars they make way more returns on investment than investing in Real estate. So now do that. Your logic that buy real estate because it makes you richer is unreal. Being dishonest can also make you richer, should you do that ? In Islam taking interest is worse than being dishonest or bribing.

Also, is it the person taking the interest out of need at fault or is the person lending the money at fault. I wonder. In Islam you can eat pork if it means surviving. I don't see why the same wouldn't apply here. On top of that, I don't believe in that statement that the Prophet said "if you take riba its worse than sleeping with your mother". This is why hadith is bad imo. People take whats in it like its the Quran. Sometimes putting hadith over the Quran with their ruling/beliefs.

How is interest different to usury

As Dr. Zakir told , ** Are you want to take risk to losing the the house of Jannah for the house in earth. ** We are travelers in earth for few days, and travelers stay in hotel (rent house). If you have cash money then it's different. ** If you have no ability at this moment & there is choice of halal or haram, like rent (halal) or mortgage (haram), you must chose the halal way. Because it's a test for you from Allah. "Surely, Allah is with those who are patient" Surah Baqarah :153 ** Either you take money from your capable Muslim brother without interest by lending, if you have that kind of brother or Save money for future And keep believing in Allah, So, that one day 'In Sha Allah' Allah will provide you. Of course Allah will provide to the believers. ** And most importantly, only believe in what Allah & our Rasul Muhammad (PBUH) says in Quran & Hadith. Avoid what others (new moderate so called Islamic scholar) says. If it's their personal opinion or group opinion, if it's against Quran & Sunnah , then it's avoidable. Because saitan is always want to misguided you by his minions & followers.

​@@thunderwt9921 damm how do havr so much time to write thatr in a yt comment section?

If Allah hadn’t guided you, you wouldn’t be in a place like America. If you pay your taxes then mortgage shouldn’t be a problem.

Yeah....easy to say when Dr.Zakir has been living in luxury as a guest in Malayasia and earning money through youtube and other appearences. Good luck saving money and buying house in western countries. Most muslims ( except some rich countries in the Gulf) just do average jobs in Western countries. If they dont take out mortgages they will never own a house.

Yeah keep laughing only a Shaytan does what you do. Make fun of people while he invite them to dawah and Islam

The disbelievers at the time of the Prophet SAW, worshipped the idols 7 days a week. Would it be OK for us to worship the idols for just 1 day a week in our times?

It's in clear hadees that who takes riba and the giver and the one who writes the contract are same and as get ready for the war with Allah and His messenger P.B.U.H

Muslim (1598) narrated that Jaabir said: The Messenger of Allah (blessings and peace of Allah be upon him) cursed the one who consumes riba and the one who pays it, the one who writes it down and the two who witness it, and he said: they are all the same. Shaykh Ibn ‘Uthaymeen (may Allah have mercy on him) said: That is, (they are all the same) in terms of being cursed, because they co-operated in that. End quote from Fataawa Noor ‘ala ad-Darb, 16/2

Sure yes. If not you become surefix cashflow for the rich. But remember the goal fine a solution to borrow but no riba(interest) that much better but what it difficult cuz Satan is the bank and it slave they rule the money

I wonder if there are still ppl taking in consideration these non sense talking, why dont you just for once be rational

you are right brother, thank you for bringing this out

It’s not about $, it is about making Muslims and Muslims Centers a permanent fixture in the non Muslims majority west. So our coming generations don’t loose their beliefs and tradition and it’s not replaced with the western values and traditions.

Assalamualaikum Rent is cheaper. If you buy a house most of what you pay is interest, so the house costs $300000 you end up paying over twice that. Also the taxes on the house, water bills, any repairs are your responsibility as a "homeowner". You aren't able to make any major changes without permission else you'll be fined. In reality it is not your house because if you can't pay tomorrow it's snatched and you get nothing back. Do the math. If the rent is $2500 I'm sure that the house are expensive there to. No one really owns anything here, understand that and trust Allah. May Allah help us navigate this life 🙏 ameen. May Allah place peace and security in your lives.

@@knowyourlord2548 You did a good math, it’s not always cheap to buy, but buying a property for Muslims is making them a permanent fixture of that community, which results in permanent religious schools, Mosques and centers. And that will help our coming generations to not lose their faith and traditions.

It doesn't matter. Its just a point. The crux is the riba (mortgage) is haraam in islam.

@@roshanburgai3902 Security lies with Allah. "permanent fixture" why and at what price? Look at our situation, how many Muslims do we see doing this yet nothing has come out of it. I have not seen anything good come out of disobedience to Allah. Sometimes it's our ego that pushes us to madness. May Allah forgive and guide us. Trust me, I know it's hard, but hold on to the rope. By the way many Muslims are here for the dunya, and the children have lost their way in spite of living in a close knit community. This affair is greater than we make it out to be. We can only do our best

@@realSumedh I never said i agree with it, i just said that i understand the point of having ONE home. Its like suicide bombing a shopping a mall, i dont agree with it but i UNDERSTAND that the bomber may have seen his mom,sister, bro etc get blown up and then having yo collect their limbs and in anger they go and kill innocents. Im just saying that, the argument of having ONE under mortgage fails because you are supposed to pay it off asap rather people start expanding their home and delay paying it off. Also, the muslim community needs to stop expanding their homes and buying luxury cars and start a community that will lend the excess money for muslims to buy homes without even considering a mortgage 🤷🏾‍♂️ Instead of buying a £20,000 car, for the sake of Allah, just buy a normal £5,000 and lend the £15,000 out to a muslim who is about to buy a home. Just a thought.

@@realSumedh Relax. When you put it that way, it's the same as bullying. "Your Money Matters more than following Allah"... Of course, Money Matters, when you are hungry and have nothing to eat you will peel every surface to survive. When you live in a Western Society, every thing is based on interest. For example, when the cost of goods rise, to control inflation, the central banks raise interest rates to slow spending pushing price down. If spending is slow, the central banks lower interest rate to encourage spending. When a Muslim lives in such a society, all your hard earned cash that you put in a bank to provide for your family is impacted due to these monetary policies. This is why, it's best to understand how these things work and that this type of RIBA, such as buying a house and taking care of your family to keep your month to month expense low in comparison to rent shouldn't be treated as harshly as a person who goes and gambles their wealth, owes money due to gambling habits, puts their family up for sale or a person that takes a loan from a hard money lender with very high rate and can later be taken advantage of. These were issues that took place pre-Islamic times. Foreign Exchange currency rates are also impacted based on monetary policies in countries like USA, which are influenced by increasing rates etc. Point I am making is that if we have to adapt to Western Society and accept the rules within the society, you can also take time to understand the way the financial system works. It is not as simple as "interest", I believe it should completely be banned in all of Western Society and governments or central banks should not be allowed to dictate how the market needs to shift. If that can happen then we will live in a interest free world. I am not that knowledgeable to go into deep details about this but what I can tell you is that it's not as black and white as we think. The Mosques put millions of dollars in the US banking systems. Those monies flow into all types of organizations, institutions, and support many aspects of society that the mosque may not be okay with. In addition, when the economy is crashing down that $9 million dollar that the mosque built up to do a humanitarian project of sort can't do the project because the cost of goods have gone up due to supply chain issues/inflation etc. It's best to keep that money in a method, where it can accumulate more money. if not interest, stick it in some sort of short term investment that involves a good of which value can go up and keep up with inflation.

@@freeyourmind7538 There are people out there that call themselves Muslims and will sit with you and argue that suicide bombing is permissible. They will even give you many reasons to why it is okay. I will not name groups but let's just say there are some very extreme groups out there that believe or hold such aqeedah. Majority of the traditional school of thought do not follow this path but they will even go as far as claiming that the traditional school of thought misunderstood the hadiths. What I am trying to tell you brother is that anything out of anger is going away from a straight path and to that of the Shaitan. As for the home, it is not necessary to get a mortgage. However, if you go to San Francisco, CA - You cannot find a place to rent and live with your family. It may make more sense to buy a house somewhere and keep your month to month cost low. Is it the right thing? probably not but it is between you and Allah (SWT). Sincerely,

@@realSumedh Islam was always about protecting the oppressed. Every rule was put in place to prevent Muslims from taking advantage of people. For instance, I let you borrow money but I want my money back in 10 folds and you couldn't pay me back... So instead, I would ask for your family member or you to be a slave etc. The banking system in the West is run based on interest and it's not such that if you don't pay your debt, you have to give up your family members or enslave yourself. You do know that there are other scholars that differ in their opinion about this topic. As for economics, you can always go to online schools that are very cheap. You can for example go to university of Illinois Champaign Urbana do an IMBA and they will have economic courses. Best of luck.

No matter how financial relaxing it is mortgage involves riba and is completely prohibited no matter what

Also rent has late charges if payment is delayed and also some. Rental companies charge interest on late charges etc..

@@suleimansiddiqui2468 Islam is there to make your life easy, Allah would never want us to be weak and so confused. All the proofs provided in hadith and Quran refers to taking riba. We need someone who can understand finances as well as Quran and hadees to pass a fatwa on it. It is even haraam to declare something haraam which might not be haraam in islam. I will be posting this question to the mufti of my masjid today and lets see, what answer we get.

@@AyaanMohammed literally every scholar gave a fatwa that riba is haraam whether taking or giving but if u r blind to that just to satisfy ur desires then i cant do anything abt it

@@suleimansiddiqui2468 I'm not surprised you were so quick enough to judge me that I'm here to satisfy my desires. What I have learnt from my parents and as far as my understanding goes, Islam is here to make our lives easy. And if you would have read my question, you would know what I wrote. Anyways, I won't blame u for that. Assalam alaikum brother❣️

Yes the same applies. To the one who consumes it and the one who pays it as well.

If the banking institution are using interest as a source of financing, then it's haram, period. Regardless of who does and where it's happening. There are many things in Islamic countries that are blasphemous, does it mean we justify all those things? No, absolutely not

@@shakirhyd I’ll ask someone who is in banking that there’s no any system except riba in banking ..

Unfortunately it is true that modern banks can’t function without interest. Even the Islamic banks are not purely without riba, directly or indirectly most of the islamic banks also involved in riba due to market competition. There is no escape route in the present world. They only way I believe that the Muslims in any particular community, especially in non Muslim countries, should come forward and lend their surplus to fellow Muslims to avoid getting involved in riba. Muslim countries especially in gulf have some Islamic provisions available for housing

Yes..it is haram.. U can watch dr Israr Ahmed lecture on it ...then u will understand all things clearly..

@@fauziakhan692 ok I’ll watch …Insha Allah

Literal meaning of Riba is excess. Riba is earned on money lent. Regardless whether someone loans you to buy a particular product or not if they charge 'excess' on the money they have lent you it is Interest. Bank pends you 100k but asks you to pay 125k back that's Riba. Money charged on time is Riba , money made from money lent is Riba ,

May Allah make it easy and provide means to help you in sustaining your family. Indeed threading the path of truth will become something quite hard and one will start to seem like a stranger in the society or environment. But with Iman and steadfastness, you’ll surely have conviction that you’re doing the right thing. I pray Allah opens more doors for you to provide for you, your wife, kids and others in your care. Ameen 🤲🏾

Stay strong and hold onto your deen, brother. May Allah make it easy for you.

Allah doesnt hold someone accountable for someone else's sin.. That's all I can say from my side. Best you can do is to tell them not to otherwise Allah going to punish them

@@IrfanQuraeshi I know but my mom will be hold accountable. Thats why i am more sad or more. Brother I feel like I am useless to them. I am speechless just helpless.

inflation is much bigger now than any mortgage rate. Riba was prohibited in time when money were golden. Now money is paper that has no value. So if we keep them they just depreciate. And mostly riba prohibited in a way as to give money to others and charge percentage. Because golden money never deprecate. It has some value after 1 year and 10 year also. But paper money returned after 10 years will depreciate maybe 10 times in some countries. So think deeper and wider please.

Allah already told you it is haram. He is just reciting it. If you want to follow Allah and his rasool then take the answer.

It's not what creation (human) says , you need to follow what creator (Allah) says. ALLAH says it's haram then it's haram and he (Allah) not give an excuse. If you are true believes. As Dr. Zakir told , ** Are you want to take risk to losing the the house of Jannah for the house in earth. ** We are travelers in earth for few days, and travelers stay in hotel (rent house). If you have cash money then it's different. ** If you have no ability at this moment & there is choice of halal or haram, like rent (halal) or mortgage (haram), you must chose the halal way. Because it's a test for you from Allah. "Surely, Allah is with those who are patient" Surah Baqarah :153 ** Either you take money from your capable Muslim brother without interest by lending, if you have that kind of brother or Save money for future And keep believing in Allah, So, that one day 'In Sha Allah' Allah will provide you. Of course Allah will provide to the believers. ** And most importantly, only believe in what Allah & our Rasul Muhammad (PBUH) says in Quran & Hadith. Avoid what others (new moderate so called Islamic scholar) says. If it's their personal opinion or group opinion, if it's against Quran & Sunnah , then it's available. Because saitan is always want to misguided you by his minions & followers.

giving or taking riba is haram

which country in the world don't have conventional banks ?, please answer so all the Muslims in the world can go to that country

where did you study sir? where does it says that only taking interest is haram and giving is not ? paying rent to the landlord has no interest directly . if he delays the payment yes he can ask interest for that payment. the landlord may pay interest but that doesnt concern the guy who doesnt .

@@BluetekFREEGAMES I don't know what country you live in, but here in America, everything got interest, buddy. You need to go do some research, my friend.

So what will you become , bomb blaster in market.

What to do if someone already purchased a house on mortgage ? or is it too late and destination is Jahannam ? I get that Allah forgives if you sincerely repent but I'm looking for a solution as to how to escape the riba based mortgage already used by my parents to purchase a house. Do they continue to make those mortgage payments ? or can or should they sell the house ?

@@CelestialTrailblazer sell the house pay whatever you need to, to get rid of the riba. Get yourself out of it. Of course Allah forgives all sins if you repent. But can you really be sincere while you keep doing a sin. Its not like a sin that you do then you repent then it happens one day again. No, this would mean you are repenting knowing you going to commit it again and again and again until the riba is paid…there would be no sincerity in that. Allah knows best

@@samkoz2045 The problem is, I don't own the house. So, I can't sell it. It's my parents house.

@@CelestialTrailblazer so its not your sin but you should tell your parents though.

​@@samkoz2045 They are well aware but have their excuses and justification for it. I've already told them about it. They've spent a big chunk of their savings on purchasing a house. They don't want to throw all that at the risk of going homeless or causing any problem for their children. Selling the house suddenly will cause a bigger burden on them financially since both of my parents are almost close to retirement and are in their old age. I can't financially help them due to my illness either. Also, renting is not cheap at where I live and the nature of their job doesn't allow my parents to move to a cheaper city either. Also, given that they are in their old age, they can't suddenly switch careers and suddenly find jobs in a cheaper city. Realistically, it is not as easy as I originally thought it would be. I'm trying my best to come up with a solution that will save me and them from hellfire. It is very easy to get to hell versus paradise. The sin of riba is one of the top 5 deadliest sins. How easy it is to get to hell because of riba is what drives me to find a solution that can solve this issue once and for all. So far, selling the house is what I can think of currently, but I have to take into account those nuances I just mentioned. Jazāk Allāhu Khayran for your advice.

Haram becomes halal only when someone is forcing u on gunpoint or u r about to die due to starving

@@hasibabdullah3463 Riba is always Haram by default. Period. No scholar in his or her right mind will say otherwise. However, there are exceptions to all laws. It is this set of exceptions that are a matter of almost all debates. Example If you’re in Ukraine with your wife and small children. Bombs are raining down in your city. You don’t have money. However, you hear of someone offering Riba based loans to go start a business in Turkey. You have the skills. You qualify for the loan. I say, riba is haram. However, it's temporarily halal for you! So, go TAKE IT. Take the Riba loan! GO. Save yourself and your family! Do not hesitate! Do not feel guilty! Allah, the All Mighty and All Merciful has allowed exceptions in Al Islam!

@@hasibabdullah3463 I would add. Listen to Dr. Zakir Naik. He’s right. However, here in this video, he’s talking about the default ruling of riba. Not the exceptions. Apples and oranges. He’s talking default. Your situation is an exception. Believe what he is saying is right and accurate, and with that belief, go take a riba based loan, if halal loans are not available, and go save yourself and your family! Both positions are Al Islam!

You are basically making up your version of Islam. Just be honest and admit when you can't be a Muslim according to the laws

@@AH-hz5xc “Exceptions” are an integral part of Islamic laws, and yes, many have to be “made up.” Sorry.

Best comment

Well said. I’ve been studying Islamic finance and you’re absolutely correct this is a very dangerous path

if there is no interest involved there is nothing wrong with it

In the majority of the world the money spent for monthly rent is substantially higher than paying monthly mortgage. However in one case you give the money to the owner of the home and in the other case you give money plus interest to a Bank!

I never understood this ban on loans and this lack of logic only leads me to further criticize Islam and separate myself from it

@@kurdistanindependance5471 corruption in the world is caused by loaning+interest. Are you really happy about how the economy works as it is working right now Bram?

@@kurdistanindependance5471 The Islamic logic is correct. In that interest on money leads to financial inequalities and is an injustice. Imagine your worth as a human(or rather your monthly salary) is only equal to interest on ABC amount of dollars. The rich get richer and the poor keep getting enslaved.

​@@Dashtea You have to look at the larger picture. its the same thing. pay interest to a bank vs paying landlord who would also pay to the bank. Until the Muslim world comes up with a real solution (community construction efforts) you cannot suggest people to make their own lives difficult.

Interest/Riba is Haram no matter what. The ruling is anything direct or indirect related with interest is Haram. We can not just say buying home with mortgage is haram and renting is halal. Renting you are indirectly helping the landlord to pay their mortgage.

i agree, and the answer for this i found online is you're paying money for your services its upto landlord how to use that money. Maybe someone can guide better, as i'am not knowledgeable person.

Someone else's sin does not befall onto you.

If you know that person pays riba and you support it then it is your sin too.

@@nadjyaakbari6217 No it is not. Stop making up your own ideas and go ask a person of knowledge. Even if you know your parents paid their house with riba, there is no sin upon you for inheriting the house. In fact your inheritance is your right. Your sin is your own. It can not be inharited or passed on to someone else.

@@certifiedalchemist you do not understand Islam. If you know someone pays ribs and your money goes there, you are in sin too. As far as the parents house goes if they bought in riba of course that is their sin. You did not make decision but for rent you make the decision.