What is the ruling on buying a house with an interest-based bank loan if Muslims in Iran are given the choice between falling into bank usury once to buy a home, or falling into it annually when renting, where the tenant pays a monthly rent along with a loan (mortgage) that the homeowner returns at the end of the term? Which of the two is less harmful, and is it permissible for the tenant to fall into bank usury for a single time? And is giving this "mortgage" by the tenant considered usury?
Source: FtawySummarized from the full answer at Ftawy · imported Sep 2, 2026
If the lessor takes a sum of money as a pledge (rahn) and the rulings of a pledge apply to it, then there is no harm in the transaction, and the pledgee (murtahin) may benefit from the pledge with the permission of the pledgor (rahin). As for borrowing with usury (riba), it is not permissible except out of a recognized Shariah necessity.
Summarized from the full answer at Ftawy · imported
Read the full answer on Ftawyhttps://ftawy.com/en/questions/150813
- Source platform
- Ftawy
- Original fatwa ID
- 150813
- Imported
- Translation status
- Source text, unreviewed
- Read the full ruling
- Read the full answer on Ftawy