Is Mortgage Haram I wonder?

 BY SALAH AL DIN

► In the Name of Allah, the Most Gracious, the Most Merciful
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As salamu'alaikum wa Rahmatullahi wa Barakatuh:

(Example) ● You've taken the leap and decided to buy a home.
After signing a mountain of paperwork, you are now the proud owner of your own residence. Thirty days later, when the first mortgage payment comes due, you are hit by the reality of what you have done. You have taken on 30 years worth of massive payments, in an economy that makes no promises about long-term job stability.

╚► O Muslims: I have notice that nowadays many Muslims especially
those living in non-Muslim countries have all taking mortgages
and their results at the end of the day wasn't good because they failed
to understand the Laws of ISLAM: As Muslims, we focus on what is
the law of Allah (Subhanahu wa Ta’ala) and the Sunnah
of the beloved Rasulullah (salallahu 'alayhi wa salaam) .

Any logic contrary to that is shunned. However, be rest assured,
following the Shariah comes with barakah. Violating the Shariah,
incurs the wrath of Allah (Subhanahu wa Ta’ala) which is exemplified
in various aspects of a person’s life. Remember My brothers and sisters
Paying interest is prohibited. Paying rental is permissible.

╚► O Muslims: Try 2 avoid getting Mortgages for indeed this
will lead you some where bad :

The Qur'an is very clear about NOT taking up mortgages:

Allah (Subhanahu wa Ta’ala) says:
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“Fear Allah and leave out the remains of interest,
if you are true believers.If you do not do so,
then let it be an announcement of war between
Allah and his messenger” (Surah Al-Baqarah, 278-9/2)
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► This verse is sufficient to show the atrocity of this crime
in the sight of Allah Subhanahu Wa Ta'ala :Anyone who notices
what is happening to individuals and nations, can see the extent
of harm incurred by dealing in riba. These include bankruptcy, depression,
and deficit with a failure to pay their debts, along with economic paralysis,
raising unemployment, and bankruptcy of many companies. All of this
makes the outcome of the sweat of people and their daily hardship
pour directly into the payment of the ever-increasing interest to the
rich user of riba.This in turn contributes to the creation of distinct
social classes, accumulating the monies into the hands of a few
number of people. This may indeed be one of the types of
wars that Allah Subhanahu Wa Ta'alawarned those who deal in riba against.
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“O you who believe! Do not consume interest
compounded over and over” (Surah Aale- Imraan, 130/3)
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“And Allah has permitted sale and prohibited
interest/usury” (Surah Al- Baqarah,275/2)
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----- > That Rasulullah (salallahu 'alayhi wa salaam)
explicitly prohibit interest and usury.It is reported on the authority
of ► Ali (Radhiyallahu anhu) that he heard:

The Rasulullah (salallahu 'alayhi wa salaam) cursed the one who
consumes interest, deals in interest, records interest, abstains from
paying Zakaat (alms) and he used to prohibit excessive mourning”
(Mishkaatul – Masaabeeh, 2829)

All those who participate in the riba transaction, whether
they are the principal parties, the intermediaries, or the facilitators,
are cursed by Prophet Muhammad, (salallahu 'alayhi wa salaam)

╚► Jaber (Radhiyallahu anhu) said
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"The Messenger of Allah, (salallahu 'alayhi wa salaam) has cursed,
'The one who takes riba, the one who writes it and the one
who witnesses it,' and he said, They are equal (in sin)'." (Muslim)
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Therefore O Muslims -- > it is not permitted to have a job as an
underwriter of riba, or in the accounting or estimation of the interest,
nor in its collection or deposition, or in guarding it. In general
it is forbidden to participate in it in any way whatsoever.

╚► Tell me O Muslims --- > How many rich merchants and businessmen
have lost their wealth because of riba? The least of its evils is that it
wipes out the blessings upon the money, even if it seems abundant.
For the Prophet, (salallahu 'alayhi wa salaam) said, "The outcome
of the money gained in riba, even if its amount is big, is always paucity." (al-Hakim) ----- > The unlawfulness of riba is not confined to what
has a high interest, but to any amount of interest, no matter
how small it is. The usurer will be resurrected in a state of insanity,
as if the Satan is hitting him.
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“It is narrated on the authority
of ╚► Abdullah Bin Hanzalah (Radhiyallahu anhu)

that Rasulullah (Sallallahu alayhi wa sallam) said:
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One dirham of interest/usury which a man consumes
while he is aware (of it being interest), is more severe
than thirty three counts of adultery” (Mishkaatul – Masaabeeh, 2825)
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It is clear from the above that interest is haraam.
The rationale explained by you that the monthly payment towards
the mortgage is lesser than paying rental and finally owning
the house has no justification in Shariah.

If you believe that your case is one of necessity, you must take
your claim to the reputable and trusted scholars of Islamic Law
in your country who understand your society and circumstances first-hand
and who can give you an appropriate ruling.

--------- > Allah Subhanahu Wa Ta'ala KNOWS BEST <----------
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http://qa.sunnipath.com/issue_view.asp?HD=1&ID=347&CATE=43
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http://islamqa.info/en/ref/83321
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http://www.youtube.com/watch?v=fkfm0dJV3ks&feature=related
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