Sale item not being specified

Answered according to Hanafi Fiqh by

Q: I went to buy some jewellery. A salesman there told me that there is a scheme going on where I have to pay 11 instalments in advance and 12th instalment will paid by jewellery company as a bonus or discount. Then I can buy any gold jewellery of my choice after 11 months. Is it allowed in Islam? Please guide.


A: This arrangement is not right because the product sold is not yet fixed.

And Allah Ta’ala (الله تعالى) knows best.


Answered by:

Mufti Ebrahim Salejee (Isipingo Beach)

This answer was collected from, where the questions have been answered by Mufti Zakaria Makada (Hafizahullah), who is currently a senior lecturer in the science of Hadith and Fiqh at Madrasah Ta’leemuddeen, Isipingo Beach, South Africa.

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