﷽
In the Name of Allah, The Most Gracious, The Most Merciful
Dear Brother-in-Islām,
Whilst we understand your plight and understand the importance of having a personal property, note that it is impermissible to take a conventional home-finance or mortgage as it entails ribā (interest/usury). Doing so would go against the clear commandments of Allāh Ta’āla. [1]
Whilst you are unable to presently purchase a property outright, renting is always an alternative.
However, if you are eager to purchase, consider and enquire about Sharī’ah compliant Home-Financing in the States.
And Allah Ta’āla knows best
26 December 2019 / 29 Rabī’ul Ākhir 1441 AH
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[1]
الَّذِينَ يَأْكُلُونَ الرِّبَا لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ الَّذِي يَتَخَبَّطُهُ الشَّيْطَانُ مِنَ الْمَسِّ ۚ ذَٰلِكَ بِأَنَّهُمْ قَالُوا إِنَّمَا الْبَيْعُ مِثْلُ الرِّبَا ۗ وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا ۚ فَمَن جَاءَهُ مَوْعِظَةٌ مِّن رَّبِّهِ فَانتَهَىٰ فَلَهُ مَا سَلَفَ وَأَمْرُهُ إِلَى اللَّهِ ۖ وَمَنْ عَادَ فَأُولَٰئِكَ أَصْحَابُ النَّارِ ۖ هُمْ فِيهَا خَالِدُونَ - سورة البقرة ٢٧٥:٢
Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity. That is because they say, "Trade is [just] like interest." But Allah has permitted trade and has forbidden interest. So whoever has received an admonition from his Lord and desists may have what is past, and his affair rests with Allah . But whoever returns to [dealing in interest or usury] - those are the companions of the Fire; they will abide eternally therein. [Surah Al-Baqarah 2:275]
يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ - سورة البقرة ٢٧٨:٢
O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers.
[Surah Al-Baqarah 2:278]
فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ ۖ وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَالِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ - سورة البقرة ٢٧٩:٢
And if you do not, then be informed of a war [against you] from Allah and His Messenger.
But if you repent, you may have your principal - [thus] you do no wrong, nor are you wronged. [Surah Al-Baqarah 2:279]
