Sawal:Home loan,Jaise aaj kal builders khud hi loan provide karate hain apne clint ko aur kahte hain ki,Ham se loan le lijiye ham aap ko Flat de denge,Phir aap ise ada karte rahiyega,Is par interest bhi hota hai,To is tarah ka home loan le kar ghar lena,kharidna kaisa hai?
Jawab:Home loan le kar ghar kharidna jaaiz nahi hai kyunki is me sood ki milawat hoti hai.Jis se ho sake ki begair sood diye liye ghar kharid sake to woh aisa hi kare.Kuchh surato me kisi majburi ki wajah se iski gunjaaish nikalti hai aur iski ijaazat di jaati hai.Jaise ek shakhs aisa hai ki woh ghar kharid nahi sakta.Kiraaye ke makaan me rahta hai aur kiraaya bahut ziyadah hai.10 saal me kiraaya itna ziyadah de dega ki agar woh home loan le kar makaan kharidta to 5 ya 6 saal me woh ghar ka maalik bhi ho jaae aur 5 ya 6 saal me jitna woh kiraaya dega us se kam me hi usko ghar mil jaae ya us se kam me hi usko sood ke naam par ziyadah dena pare to yahan par kam de kar bachaana hai apna.Misaal ke taur par kiraaye ke makaan me rahta to usko 10 saal me dena parta 50000 aur makaan kharid raha hai to usko 10 me dena parega sirf 20 hazaar to matlab ye ki woh 50000 nahi de kar woh sirf 20 hazaar de raha hai ya ye kah len ki woh 20 hazaar de kar 30 hazaar bacha raha hai.To jis shakhs ki is tarah ki position ho uske liye home loan ki ijaazat di jaati hai.
Wallahu A’lamu bis-sawab.
Mufti Nizamuddin Razwi,Ashrafia Mubarakpur
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