Home » Hanafi Fiqh » Muftionline.co.za » Purchasing a vehicle through the bank

Purchasing a vehicle through the bank

Answered as per Hanafi Fiqh by Muftionline.co.za

Q:

1. I would like to purchase a vehicle but I do not have the capital. Can I purchase it through the bank with a fixed price?

2. Is medical aid and hospital plan permissible? If not please advise what is the alternative.

Bismillaah

A:

1. Purchasing through the bank is impermissible due to the element of interest being found. Even if the price is fixed by the bank, then too it will not be permissible. The reason for the impermissibility is that the bank provides the client with the loan and charges him an additional amount when paying back the loan. For example, the car is being sold for R200 000. The bank then charges the client R300 000. The additional R100 000 over and above the loan is interest. Hence, even if this amount is fixed, since it is over and above the loan it is interest and hence haraam.

2. There is no difference between the workings of a medical aid scheme, hospital plan and an insurance policy. In the event of an accident the insurance company willย  settle the bills either more than the invested amount or less. Similar is the case with regard to the medical aid schemes and hospital plans. In the event of illness they will settle the bills. Hence, since the elements of qimaar (gambling) and interest are found in all (medical aid scheme, hospital plan and the insurance policy) it is impermissible for one to involve himself in it.

And Allah Ta’ala (ุงู„ู„ู‡ ุชุนุงู„ู‰) knows best.

ุงู„ูŽู‘ุฐููŠู†ูŽ ูŠูŽุฃู’ูƒูู„ููˆู†ูŽ ุงู„ุฑูู‘ุจูŽุง ู„ูŽุง ูŠูŽู‚ููˆู…ููˆู†ูŽ ุฅูู„ูŽู‘ุง ูƒูŽู…ูŽุง ูŠูŽู‚ููˆู…ู ุงู„ูŽู‘ุฐููŠ ูŠูŽุชูŽุฎูŽุจูŽู‘ุทูู‡ู ุงู„ุดูŽู‘ูŠู’ุทูŽุงู†ู ู…ูู†ูŽ ุงู„ู’ู…ูŽุณูู‘ ุฐูŽูฐู„ููƒูŽ ุจูุฃูŽู†ูŽู‘ู‡ูู…ู’ ู‚ูŽุงู„ููˆุง ุฅูู†ูŽู‘ู…ูŽุง ุงู„ู’ุจูŽูŠู’ุนู ู…ูุซู’ู„ู ุงู„ุฑูู‘ุจูŽุง ูˆูŽุฃูŽุญูŽู„ูŽู‘ ุงู„ู„ูŽู‘ู€ู‡ู ุงู„ู’ุจูŽูŠู’ุนูŽ ูˆูŽุญูŽุฑูŽู‘ู…ูŽ ุงู„ุฑูู‘ุจูŽุง ููŽู…ูŽู† ุฌูŽุงุกูŽู‡ู ู…ูŽูˆู’ุนูุธูŽุฉูŒ ู…ูู‘ู† ุฑูŽู‘ุจูู‘ู‡ู ููŽุงู†ุชูŽู‡ูŽู‰ูฐ ููŽู„ูŽู‡ู ู…ูŽุง ุณูŽู„ูŽููŽ ูˆูŽุฃูŽู…ู’ุฑูู‡ู ุฅูู„ูŽู‰ ุงู„ู„ูŽู‘ู€ู‡ู ูˆูŽู…ูŽู†ู’ ุนูŽุงุฏูŽ ููŽุฃููˆู„ูŽู€ูฐุฆููƒูŽ ุฃูŽุตู’ุญูŽุงุจู ุงู„ู†ูŽู‘ุงุฑู ู‡ูู…ู’ ูููŠู‡ูŽุง ุฎูŽุงู„ูุฏููˆู†ูŽ ๏ดฟุงู„ุจู‚ุฑุฉ: ูขูงูฅ๏ดพ

ูŠูŽุง ุฃูŽูŠูู‘ู‡ูŽุง ุงู„ูŽู‘ุฐููŠู†ูŽ ุขู…ูŽู†ููˆุง ุฅูู†ูŽู‘ู…ูŽุง ุงู„ู’ุฎูŽู…ู’ุฑู ูˆูŽุงู„ู’ู…ูŽูŠู’ุณูุฑู ูˆูŽุงู„ู’ุฃูŽู†ุตูŽุงุจู ูˆูŽุงู„ู’ุฃูŽุฒู’ู„ูŽุงู…ู ุฑูุฌู’ุณูŒ ู…ูู‘ู†ู’ ุนูŽู…ูŽู„ู ุงู„ุดูŽู‘ูŠู’ุทูŽุงู†ู ููŽุงุฌู’ุชูŽู†ูุจููˆู‡ู ู„ูŽุนูŽู„ูŽู‘ูƒูู…ู’ ุชููู’ู„ูุญููˆู†ูŽ ๏ดฟุงู„ู…ุงุฆุฏุฉ: ูฉู ๏ดพ

ุนู† ุฌุงุจุฑ ุฑุถูŠ ุงู„ู„ู‡ ุนู†ู‡ ู‚ุงู„ ู„ุนู† ุฑุณูˆู„ ุงู„ู„ู‡ ุตู„ู‰ ุงู„ู„ู‡ ุนู„ูŠู‡ ูˆุณู„ู… ุขูƒู„ ุงู„ุฑุจุง ูˆู…ูˆูƒู„ู‡ ูˆูƒุงุชุจู‡ ูˆุดุงู‡ุฏูŠู‡ ูˆู‚ุงู„ ู‡ู… ุณูˆุงุก ุฑูˆุงู‡ ู…ุณู„ู… ( ู…ุดูƒูˆูฐุฉ ุงู„ู…ุตุงุจูŠุญ ุต244)

ุนู† ุฃุจูŠ ู‡ุฑูŠุฑุฉ ุนู† ุฑุณูˆู„ ุงู„ู„ู‡ ุตู„ู‰ ุงู„ู„ู‡ ุนู„ูŠู‡ ูˆุณู„ู… ู‚ุงู„ ู„ูŠุฃุชูŠู† ุนู„ู‰ ุงู„ู†ุงุณ ุฒู…ุงู† ู„ุง ูŠุจู‚ู‰ ุฃุญุฏ ุฅู„ุง ุฃูƒู„ ุงู„ุฑุจุง ูุฅู† ู„ู… ูŠุฃูƒู„ู‡ ุฃุตุงุจู‡ ู…ู† ุจุฎุงุฑู‡ ูˆูŠุฑูˆู‰ ู…ู† ุบุจุงุฑู‡ ุฑูˆุงู‡ ุฃุญู…ุฏ ูˆุฃุจูˆ ุฏุงูˆุฏ ูˆุงู„ู†ุณุงุฆูŠ ูˆุงุจู† ู…ุงุฌู‡ ( ู…ุดูƒูˆูฐุฉ ุงู„ู…ุตุงุจูŠุญ ุต245)

ูˆุนู† ุนุจุฏ ุงู„ู„ู‡ ุจู† ุญู†ุธู„ุฉ ุบุณูŠู„ ุงู„ู…ู„ุงุฆูƒุฉ ู‚ุงู„ ู‚ุงู„ ุฑุณูˆู„ ุงู„ู„ู‡ ุตู„ู‰ ุงู„ู„ู‡ ุนู„ูŠู‡ ูˆุณู„ู… ุฏุฑู‡ู… ุฑุจุง ูŠุฃูƒู„ู‡ ุงู„ุฑุฌู„ ูˆู‡ูˆ ูŠุนู„ู… ุฃุดุฏ ู…ู† ุณุชุฉ ูˆุซู„ุงุซูŠู† ุฒู†ูŠุฉ ุฑูˆุงู‡ ุฃุญู…ุฏ ูˆุงู„ุฏุฑุงู‚ุทู†ูŠ ูˆุฑูˆู‰ ุงู„ุจูŠู‡ู‚ูŠ ููŠ ุดุนุจ ุงู„ุฅูŠู…ุงู† ุนู† ุงุจู† ุนุจุงุณ ูˆุฒุงุฏ ูˆู‚ุงู„ ู…ู† ู†ุจุช ู„ุญู…ู‡ ู…ู† ุงู„ุณุญุช ูุงู„ู†ุงุฑ ุฃูˆู„ู‰ ุจู‡ ( ู…ุดูƒูˆูฐุฉ ุงู„ู…ุตุงุจูŠุญ ุต245)

Answered by:

Mufti Zakaria Makada

Checked & Approved:

Mufti Ebrahim Salejee (Isipingo Beach)

This answer was collected from MuftiOnline.co.za, 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.

Read answers with similar topics: