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Can we get a loan from a bank to buy a house or flat?

Answered as per Hanafi Fiqh by Darulifta-Deoband.com
Assalamu alaikum I hv a brother. We both are married and having sons. We were living with our uncles after my father’s death (my mother’s brother) and working under them for the past 15 to 20yrs. Due to misunderstanding our uncles gave our part of inheritance, we were forced to leave ours uncles company. We started our own business but unfortunately it’s not doing well. In the mean time we don’t have own house and we are still leaving in our uncles flat. We are not comfortable leaving there after coming out. If we want to buy a flat we don’t have money to purchase, in the above context please advise whether we can get loan from bank to buy a house or flat. Based on your fatwa we wl do accordingly.


(Fatwa: 951/895=B/1430)

The interest is mentioned with so much sternly and harshly that no other thing is mentioned so, the Quran declares war against those not refraining from the same:

فان لم تفعلوا فأذنو بحرب من اللہ ورسولہ (البقرۃ)

Therefore, one should strive to get non-interest debt. If it is impossible, you can purchase the house through bank in a way that the bank includes the additional interest amount in interest and sells it to you on the total price.

If it is also not possible and you need the house exigently, then in cases or dire need, you can take loan from a bank. After paying the total amount, repent to Allah and ask His forgiveness.

Allah (Subhana Wa Ta’ala) knows Best

Darul Ifta,
Darul Uloom Deoband

This answer was collected from the official ifta website of Darul Uloom Deoband in India.

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