Ruling on selling property to a non Muslim who is going to fund the purchase through a Ribaa-based loan


بســـم اللــه الرحــمــن الـرحـــيــم

▪️Ruling on selling property to a non Muslim who is going to fund the purchase through a Ribaa-based loan▪️

Our Shaykh, Muhammad ibn Hizaam -may Allaah preserve him- was asked the following question:

📩 Question:

A brother from Russia says: One of the brothers wants to sell his house to facilitate his migration from the lands of disbelief to the Muslim lands in order to seek knowledge, however the prospected buyer is going to make the purchase by taking a riba-based loan to pay off the seller; this is a payment method which is very common with the people over there; it’s so common in fact that you will hardly find anyone making cash purchases for things like houses or cars without having to borrow money from riba-based banks?

📝 Answer:

The one making the purchase is a disbeliever and it is he who is going to be dealing with Ribaa – not you, so it’s fine for you to sell to him, because you yourself haven’t charged him anything extra and you haven’t taken any Ribaa. So it’s permissible for you to sell to him in this case.

But if the prospected buyer is Muslim, then it’s not permissible for you to cooperate with him in this – if you know that he took a Ribaa-based loan, rather it’s obligatory for you to advise him and forbid him from this evil, because the prophet ﷺ said:

لعن الله آكل الربا وموكله

“The one who accepts Ribaa and the one who pays it are both cursed by Allaah…”

And although you yourself have no direct involvement in taking or accepting Ribaa, it’s still not permissible for you to cooperate with a Muslim who you know has taken this money from Ribaa:

{وَتَعَاوَنُوا۟ عَلَى ٱلۡبِرِّ وَٱلتَّقۡوَىٰۖ وَلَا تَعَاوَنُوا۟ عَلَى ٱلۡإِثۡمِ وَٱلۡعُدۡوَ ٰ⁠نِۚ}

“And cooperate on righteousness and piety and do not cooperate in sin and transgression.” [Surat Al-Ma’idah 2]

So if the prospected buyer is Muslim (who you is going to take a Ribaa-based loan to fund this purchase), then it is not permissible for you to sell to him; you must not cooperate with him. Meanwhile, if the prospected buyer is a Kaafir, then the Kuffar do not adhere to the religious injunctions in the first place, so the sin returns back to him, it is therefore

permissible for you to sell to him inshallah.

__________

Translated by:

Abu Ishaq Muhammad Ibn Ahmad Ba-‘Alawi

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Original Fatwa:

https://t.me/ibnhezam/1416