What do the Scholars of the mighty sharī’ah say regarding this case: I am now a complete owner of one house, is it permissible to give this house on rent and get a second house on mortgage?
Questioner: Nahim from Watford, London
بسم اللہ الرحمن الرحیم
الجواب بعون الملک الوھاب اللھم ھدایۃ الحق والصواب
When you are the owner of one house, from which your need is being fulfilled and you want to purchase the second house only to put it on rent then in this scenario acquiring the second house via mortgage is not permissible, as without need and necessity providing profit to a harbī kāfir is not permissible.
In Fatāwā Bareilī, in reply to a question regarding the acquisition of a house in America, via interest based loans, it is written – In so-called ‘necessities’ [which in reality are not necessities] getting a loan from them [kuffār] and returning extra to them is harām, as this is providing benefit to a harbī kāfir which is legally forbidden.
[Fatāwā Bareilī, pg 33]
واللہ تعالی اعلم ورسولہ اعلم صلی اللہ علیہ وآلہ وسلم
کتبہ ابو الحسن محمد قاسم ضیاء قادری
Answered by Mufti Qasim Zia al-Qadri
Translated by Hamza Hussain
Read the original Urdu answer here – [Q-ID0307] I already own one house, can I buy another via a mortgage?