Salam all, Thank a lot for your help and the points of view every one has expressed! I'm not libving in US, I'm living in Tunisia! And the situation is described in the first email I sent.
I want to discuss more the principle rule of (Necessity allows the forbidden) that the Islamic authorities in my country and Dr Samer Kantakji have pointed to. Especially if there is no other solution for us. The only solution is to stay renting a house for the rest of your life. Which is a lose of money in it self. Wassalam, ________________________________ Aymen Jerbi FPGA-VIdeo Engineer Phone: [+216] 97 261861 [email protected] ________________________________ De : Mohammed Shukairy <[email protected]> À : [email protected] Envoyé le : Mercredi, 13 Mai 2009, 7h49mn 22s Objet : {Kantakji Group}. Add '4363' Re: The use of the investment banks method for the financing of the acquisition of a home. Dear friends, As for what A t presented as a solution for aymen, this is called ( if my English interpretation is correct) Decreased partnership ending in ownership and this is completely halal. But this is not the issue any more , the issue arose from the other side where your partner is going to have his money from RIBA Dealings. If I would answer this I would say " He however leaves something for the sake of Allah, Allah would compensate him the best", and I would say my dear friend with free mind this is HARAM. And I would suggest that you seek to make the Decreased partnership ending in ownership come true. Last advice try to get yourself out of the suspicious area. Wallahu a3lam yours Mohammad Al Shoukairy محمد الشقيري ________________________________ From:[email protected] [mailto: [email protected] ] On Behalf Of A t Sent: Tuesday, May 12, 2009 11:07 PM To: [email protected] Subject: {Kantakji Group}. Add '4360' Re: The use of the investment banks method for the financing of the acquisition of a home. Salam Ayman, I live in US, and I recommend you check with "Guidance Finncing". http://qa.sunnipath.com/issue_view.asp?HD=1&ID=2141&CATE=47 The concept is, they will go as partners with you into the house you buy, and each year, they appraise the house, and you pay them rent for the share they own. The more payments you make, the lesser their share gets till you eventually buy them out. The contract you would have with such Islamic investment institutions is to my knowledge is correct according to Islam, but the practical problem is that you end up paying more that you would pay for a mortgage. Also, if you want to dig deep into it, these institutions are obtaining funds from the government where they pay interest on the funds. In other words, they go into Riba to provide you a loan that doesn't have Riba! Some people say, once your contract with them is free of interest, then it is their problem, not yours. Others debate and consider it not acceptable. I wish you the best, and Jarakallahu khairan for asking and seeking halal options. Please let me know if there is another solution. I am very interested in the answer as well. Ahmad > Date: Tue, 12 May 2009 06:56:34 -0700 > Subject: {Kantakji Group}. Add '4353' The use of the investment banks method > for the financing of the acquisition of a home. > From: [email protected] > To: [email protected] > > > 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 > > </html This message (including any attachments) is intended only for the use of the individual or entity to which it is addressed and may contain information that is non-public, proprietary, privileged, confidential, and exempt from disclosure under applicable law or may constitute as attorney work product. If you are not the intended recipient, you are hereby notified that any use, dissemination, distribution, or copying of this communication is strictly prohibited. If you have received this communication in error, notify us immediately by telephone and (i) destroy this message if a facsimile or (ii) delete this message immediately if this is an electronic communication. 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