Can You Take a Loan To Perform Hajj? 2024

Take a Loan To Perform Hajj

Are you thinking of taking a loan to perform Hajj? That’s what Islam says about it.

Hajj is one of Islam’s five pillars and is a spiritual journey to Mecca that demands physical and financial preparation, including travel, lodging, and other expenses.

Some Muslims may find it challenging to raise the necessary funds for Hajj and may consider taking out a loan to accomplish this religious obligation. Nevertheless, permission to take a loan for Hajj has always remained a question. Let’s dig deeper into this subject.

Is it Permissible or Prohibited?

If you can replay the loan on time without any delays, it is halal. If not, then it is prohibited.

The authority to take out a loan to perform Hajj is left up to the interpretation of Islamic scholars, who have differing perspectives on the subject. Let discuss further.

Hajj is a religious obligation, Hajj or pilgrimage to Makkah constitutes the fifth pillar of Islam. It is compulsory for those who are sound of mind, adults who have travel provisions. Islam advises Muslims to perform Hajj once in their lifetime. Many Islamic experts debate that borrowing a loan to accomplish this Islamic obligation is permitted.

Evidence

  • According to the Fataawa Ibn Baaz, 16/393, which states, if you are able to repay the loan on time, there is nothing wrong with it. But if you fear that the salary would not be enough to pay the loan, then it makes the loan for hajj invalid.
  • Make sure the repayment on the loan you take does not contain any sort of Interest (Riba), which is strictly prohibited in Islam.
  • Some scholars may consider taking a Hajj program loan if a Muslim does not have enough resources to conduct Hajj and cannot pay the expenditures without a loan without financial trouble.

However, scholars consider a loan for Hajj haram if it includes interest (riba), which Islam prohibits.

Moreover, according to those scholars taking debt for religious activity, such as Hajj, is not acceptable because Hajj is not an obligation but is compulsory only for those Muslims who are physically and financially sound to perform the rituals.

Alternatives You Should Consider

Hajj is a dream of every Muslim, and they strive hard to perform this obligatory duty, but they cannot do so due to a lack of financial stability. Thus if you want to perform Hajj, one way is to consider saving money ahead of time.

You can do so by setting a small percentage of your monthly income aside. This will assist you in raising the necessary finances for Hajj without taking debt.

Bottomline:

Debt is legal in Islam, Islam recognizes borrowing and lending, and borrowing for justifiable purposes is not forbidden. Muslims can borrow for various purposes, including religious requirements, as long as the loan comes from a lawful (halal) source and is repaid within time.

Hajj is a dream of every Muslim, and they strive hard to perform thWhether it is acceptable in Islam to take a loan to perform Hajj is a complex topic on which scholars present different opinions.

Some think this is allowed because of the religious obligation and the capacity to return the debt without financial hardship. Others, however, find it not permissible, especially if it includes volunteer interest or debt.

Thus, before making any final decisions, one should consult with and seek advice from an experienced ulema.is obligatory duty, but they cannot do so due to a lack of financial stability. Thus if you want to perform Hajj, one way is to consider saving money ahead of time.

ou can do so by setting a small percentage of your monthly income aside. This will assist you in raising the necessary finances for Hajj without taking debt.

It is very clear that smoking is not safe and it is forbidden for us to commit self-harm such as smoking.

Got a question? Feel free to ask mufti and get quick answers.

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