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I borrowed money from a bank, didn’t know it is haram but can’t pay it off, what can I do?

Answered as per Hanafi Fiqh by Askimam.org

I hav few questions : 1- I borrowed some money £5500 from a bank about 7 months ago but i didn’t know that it is haraam, what do I hav to do knowing that I can’t pay it off? 2- I’m staying in englang illegally is it permissible for me to buy legal documents? 3- Some people say that kuffar’s money is halal, and they borrow money from banks with the intention of no paying back saying that is allowed in islam, is it true or false? 4- finally is it permissible in islam to suck my wife’s tongue and parts of her body even if that is the intimate part and also is she allowed to do the same for me? Is it permissible to masturbate with her hands and what about kissing her when she has the period?!


1. In Islam, interest is expressly prohibited in the Qur’aan and Ahaadith. The prohibition of interest in Islam is a well known rule even to non-Muslims. Ignorance of the basic laws of Islam is no excuse for a Muslim. Rasulullah [sallallaahu alayhi wasallam] said, ?To seek knowledge is compulsory upon every Muslim.?

To take an interest bearing loan is prohibited. However, if you have borrowed money from the bank, you have to repay the loan. We cannot understand how you cannot afford repaying the loan. Surely, you took the loan to repay it. You should make every possible effort to repay the loan. If you cannot pay the amount immediately, arrange a private loan and pay out the bank as soon as possible to avoid increase on the interest payment. If that is not possible, arrange a meeting with the bank and discuss with them. Remember, Islam teaches us honesty and truthfulness.

2. It is not permissible to indulge in any illegal act.

3. It is incorrect to state that the money of the Kuffaar is Halaal. Fraud, cheating and lying are all Haraam. It is not permissible for a Muslim to take an interest bearing loan. It is also Haraam to take a loan with the intention of not repaying the loan. That is lying and cheating.

4. It is permissible for the husband to derive pleasure from his wife’s body. However, it is not permissible for the husband and wife to engage in oral sex, i.e. either spouse kissing or licking the spouses? private part.

and Allah Ta’ala Knows Best

Mufti Ebrahim Desai

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This answer was collected from Askimam.org, which is operated under the supervision of Mufti Ebrahim Desai from South Africa.

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