Is his Umrah valid

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#1 [Permalink] Posted on 18th February 2015 14:49

Is his Umrah valid if he goes on a loan?

Asalamualaikum.

I want some opinions on this. I have a friend who is shamefully paying off an interest-bearing loan, and he wishes to perform Umrah in Ramadan. I've advised him to pay it off and then go next year, Insh'Allah, but he's made his choice.

He intends to top his loan for the amount required for the trip, and then to pay it back on his loan for the entire/near entire amount the following month when gets paid. This with the added fact he'll be paying it off 6 years earlier he won't have had paid any interest on the amount used to go for Umrah thus making his Umrah valid and accepted?

He knows interest is haram, but he wants to know whether his Umrah is going to be valid or not. I've e-mailed a few scholars, but no response as of yet.

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#2 [Permalink] Posted on 18th February 2015 15:27

www.askimam.org/public/question_detail/16259
Question
Can somebody perform umrah in ramadan or hajj if they have an ongoing loan to pay off in small amounts that will take them the next 15 months but they will have saved enough money on the side for their umrah/hajj?
Answer
In the name of Allah, Most Gracious, Most Merciful
Assalaamu `alaykum waRahmatullahi Wabarakatuh
If the loan is interest free and the person is honouring his monthly installments and paying the debt, he can save his surplus money and perform Umrah or Haj. If the loan is an interest bearing one, the person should pay out his debt as soon as possible. It is not permissible to prolong the payment of such a debt to save money for Umrah of Haj.
And Allah knows best
Wassalam
Mufti Ebrahim Desai
Darul Iftaa, Madrassah In'aamiyyah

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#3 [Permalink] Posted on 18th February 2015 15:28

Performing Hajj and Umrah While Under Debt

By Mufti Ebrahim Desai
POSTED: 28 SAFAR 1423, 11 MAY 2002

Q.) I am currently working full time and at the same time paying off some student loans (at a fixed amount every month). This was agreed with the bank at the beginning of the loan term and is spread over a number of years. Obviously it is a large amount and I cannot pay it off all at once. My dilemma is that I want to perform Umrah in Summer 2002, however I will still be paying this loan during that time. I have the means i.e. enough money to perform the Umrah. Can I still go?
Q. 2) A person is heavily indebted to the bank by way of overdraft and to private business houses. Is Hajj compulsory upon him? If not, can he perform Hajj?

A.) It is forbidden to engage in any interest bearing transactions. As long as a person is involved in an overdraft, he will be incurring sin. Hajj is compulsory on a person who has the financial means to travel to Makkah Mukarramah and is able to maintain himself there and his dependants (if any) at home. As for other debts, if a person is heavily indebted and his liabilities exceed his assets, Hajj is not compulsory upon that person.

If he fulfils his monthly commitments and his creditors do not have any arrears claim against him, he will not be infringing on the rights of his creditors by performing Hajj on condition that he is sincere in fulfilling the remaining amount according to the commitments. If the creditors have arrears claims against him, he will be infringing on their rights by performing Hajj. Hence, he cannot perform Hajj unless he receives the prior consent of his creditors claiming arrears from him. [Al-Mahmood 6]

And Allah Ta'ala Knows Best

www.albalagh.net/qa/perform_umrah_debt.shtml

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#4 [Permalink] Posted on 18th February 2015 16:10

Brother, Jazak'Allah for the answers.

Here's his question detailed. he just sent me this.

- I'm paying off a loan for £3000 that is interesting-bearing and I wishe to perform Umrah
- The duration of the loan is 5 years (60 months)
- If I pays off the entire loan in that time period I'll have paid £4500 = £1500 interest

I'm aware any haram money used would render my nawafil worship of Umrah unacceptable and sinful.

However, I borrows an extra £1000 from the bank which, is the price required for Umrah and then pay it back quicker to the bank or then technically I will have have paid any interest on that particular amount because I intends to pay off the loan within 12 months instead of 60, and according to the bank I'll have have paid £487 of interest - this includes the extra amount borrowed for £1500.

I'm of the opinion these funds used for Umrah is lawful since I borrowed it and paid it back quick enough to avoiding paying any interest on it.

Is this correct?

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#5 [Permalink] Posted on 18th February 2015 17:21

salaam

since when do banks give interest free loans?

and even if the loan is interest free, how is it ok to accept loans from companies/individuals whose earnings are haraam or mixed with haraam?

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#6 [Permalink] Posted on 18th February 2015 22:30

xs11ax wrote:

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Some Islamic charties do, and fair point, but it's unrelated to the question in the opening post.

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#7 [Permalink] Posted on 18th February 2015 23:42

Imam Ali wrote:

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salaam

from your op i understood that your friend wants to borrow what he thinks will be interest free money from the bank to go on umrah. he is planning on doing this by topping up his current loan upon which he is already paying interest - and then by some arithmetical acrobatics he believes that this top up will be deemed interest free.

how is the money interest free? as far as i am aware banks do not give interest free money. wont the top up just become part of the original loan and any interest paid will be paid on the new amount (the original amount and the top up) and not just on the original amount as both amounts will be consolidated.

and even if the loan is interest free, that is not enough to render it halal. the loan itself needs to come from a halal source. the money loaned by banks is generated through interest and many times haram or questionable investments.

i cant see how this is not connected to your original query. i believe this directly addresses your original query.

or is the question whether umrah is valid even when carried out using haram means?

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#8 [Permalink] Posted on 19th February 2015 16:09

xs11ax wrote:

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Asalamualaikum.

Brother, you're TOTALLY right. I don't know why that didn't occur me to me before to tell him this. Although, he maybe right, but the source must also be halal.

He's now asking if he pays from his own pocket, but has this interest-debt to pay off can he still perform Umrah and will it be accepted? The answer above that brother abu moahmmed posted, Mufti Ebrahim Desai says it should be paid up first before going, but doesn't forbid or say it's outright haram.

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Is his Umrah valid

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