Salam,

I have a question that causes a lot of discussions and points of view,
it's related to the use of the investment banks method for the
financing of the acquisition of a home.

The problem is that in our country:
1- There is no Islamic banks for such financement. The islamic banks
that exist are for companies not for individuals.
2- The prices of the houses are expensive and are increasing in an
annoying way every year.
3- The renting of a house became so expensive and would never gives
you an opportunity to save money for buying a house in the futur.
4- The islamic authorities in the country are allowing the use of such
method until they obey to 2 points:
  a)- You don't have another private property that you could buy in
order to get the house.
  b)- That the house that you would buy would be in the limit of the
needs (means not an appartment in a prestigious block of flats for
example)

This situation is causing a frustration for us! Every one want to own
a home in order to have a certain stability for his family; but in the
same time we don't want to enter in something "knowen as haram"! And
in the main time we continu paying every months a big amounts of money
for the rent that could be used to to reimburse the Bank.

What is your point of view?

Salam

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سياسة النشر في المجموعة:
- ترك ما عارض أهل السنة والجماعة.
- الاكتفاء بأمور ذات علاقة بالاقتصاد الإسلامي وعلومه ولو بالشيء البسيط. ويستثنى 
من هذا مايتعلق بالشأن 
العام على مستوى الأمة كحدث غزة مثلا.
- عدم ذكر ما يتعلق بشخص طبيعي أو اعتباري بعينه. باستثناء الأمر العام الذي يهم 
عامة المسلمين.
-  تمرير بعض الأشياء الخفيفة المسلية ضمن قواعد الأدب وخاصة منها التي تأتي من 
أعضاء لا يشاركون عادة، والقصد من ذلك تشجيعهم على التفاعل الإيجابي.
- ترك المديح الشخصي.
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