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Fatwas / Sales Fatawa / Taking an interest-based loan to build a house



I own an inherited piece of land which is not plotted and a house made out of tinplate, I cannot afford to rent due to fear of problems, honor and life difficulties. My faith is about to be put to test. Is it permissible to take an interest based loan in order to build a safe house? If the answer is no, do you know of anyone who can give me twenty thousand Dinars? If the answer is no, then how can we claim that Islam is the solution?

قرض ربوي لبناء البيت


Praise be to Allah, and may Allah’s peace and blessings be upon the Messenger of Allah, his family and his companions.

To proceed:

In response to your question, I say:

It is incumbent for a Muslim to have good hope in Allah and hope for the good and wait for ease from Him. Moreover a Muslim should not be from among those unto whom Allah said: “Andamong mankind is he who worships Allah as it were, upon the very edge (i.e. in doubt).” [al-Hajj: 11].
This verse comprises of a warning against the behavior that a person is content during good times but when worldly affliction befalls him, he falls away and denies God’s grace and kindness. It is incumbent upon you my brother to bear patience to what has afflicted you and to have confidence in your religion. Saying how can you claim that Islam is the solution does not befit you. Do you doubt that Islam is the solution because you haven’t yet found a house that can accommodate you? Didn’t the Messenger of Allah and companions get driven away from their houses? Was that lack of faith in their religion? Is Islam not fit to be a solution for people and a righteous way for their lives and religion? Have confidence in your religion and turn back to your Lord and be cautious of your tongue. Many people regret over their words. A person may say a word and not think much about it but it will cause him to be thrown into Hellfire for a distance which is farther than the distance between the East and the West.However with respect to your asking about taking an interest based loan; if you cannot find someone that can lend you and you do not have a house to accommodate you as you have said then you can take a loan that is enough to take care of your necessity. May Allah make it easy for you and grant you piety.

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