1
00:00:04,460 --> 00:00:07,980
Brother Fahd from Bisha,
go ahead, you're on the line.

2
00:00:08,800 --> 00:00:09,633
Salaam alaikum.

3
00:00:10,659 --> 00:00:14,275
Wa alaikum salaam. I have two questions, Sheikh.
May Allah grant you success.

4
00:00:14,359 --> 00:00:14,640
Go on.

5
00:00:14,724 --> 00:00:20,579
First question: I want to buy a property,
but I don't have cash.

6
00:00:21,079 --> 00:00:29,280
I went to the bank. They said they would
buy it from the owner and sell it to me

7
00:00:29,739 --> 00:00:33,259
over 20 years. Is this permissible,
with it still mortgaged to them?

8
00:00:34,020 --> 00:00:34,715
Go on.

9
00:00:34,799 --> 00:00:36,840
Yes. He says he has property.

10
00:00:36,959 --> 00:00:44,399
The first question is whether the bank
wants to buy it for itself.

11
00:00:45,039 --> 00:00:48,289
Then once the bank takes possession of it,
it may sell it to you.

12
00:00:48,919 --> 00:00:52,519
After taking possession and owning it,
there is nothing wrong with that.

13
00:00:53,479 --> 00:01:03,319
If the bank buys it for you and pays,
then takes back more: riba, not allowed.

14
00:01:03,599 --> 00:01:05,819
The bank did not buy it to own it itself.

15
00:01:05,919 --> 00:01:13,939
Rather, it bought it for you
and paid on your behalf.

16
00:01:14,023 --> 00:01:17,419
It loaned you the amount
and recovers it with extra.

17
00:01:17,503 --> 00:01:19,839
That is forbidden, not allowed.
Yes.