Bank Ya Finance Companyoñ Se Business Ya Personal Property Loan Lena Kesa ?

 *Bank Ya Finance Companyoñ Se Business Ya Personal Property Loan Lena Kesa ?*

*🌹SAWAL:-🌹*

Kya Farmate Hai Aulma E Kiram W Muftiyane Izaam Is Mas'ala Me Ki, Bankoñ Ya Finance Companiyoñ Se Business Ya Personal Property Ke Liye Loan Lena Kesa He ? Jawab Inayat Farma Kar Indullah Majoor W Musaab Hoñ.

*🌹JAWAB:-🌹*

بسم اللہ الرحمن الرحیم 

Kisi Bhi Bank Ya Company Se Loan Lene Ka Matlab Zyada Dene Ki Shart Par Qarz Lena He Isi Ko Soodi Qarz Bhi Kaha Jata He, Shar'an Sood Lena or Dena Donoñ Haram He, Hukumati Ya Khalis Kisi Gair Muslim Company Se Loan Lene Me Zyada Dena Agarche Sood Nahiñ (Ki Tahqeeqe Sood Ke Liye Asmate Badlain Shart He Jo Yahañ Mafqood He.) Taaham Be Hajate Sharaiyah Kafiroñ Ko Nafa'a Pahunchana Bhi Jaaiz Nahiñ Lihaza Jab Tak Sharai Zaroorat Ya Haajate Mutahaqqaq Na Ho Yahañ Ke Hukumati Ya Khalis Gair Muslim Ke Personal Bank Ya Finance Company Se Loan Lena Jaaiz Nahiñ.

Haañ Bawaqte Zaroorat Ya Bawaqte Haajate Sharai Baqadre Zaroorat Ya Haajat Is Qism Ka Zyadati Ki Shart Par Qarz (Business Loan Ya Home Loan) Liya Ja Sakta He, Yahañ Haajate Sharai Se Muraad Ye He Ki Jiske Paas Quwwate Ahlo Ayaal Ke Liye Kuchh Na Ho Hatta Ki Faaqa Ki Naubat Aa Jaye Ya Rihaaish Ke Liye Koi Bandobast Na Ho or Na Hi Kisi Saahibe Khair Se Mazkoora Maqaasid Ke Husool Ke Liye Qarze Hasan Milne Ki Ummid Ho to Itna Ki Jisse Donoñ Bunyadi Zaroorateñ Poori Hoñ Loan Lena Durust He.

Ashbah Ma'a Hamwi Me He,

"يجوز للمحتاج الاستقراض بالربح وذلك نحوان يقترض عشرة دنانير ويجعل لربها شيأ معلوما في كل يوم ربحا، وايضا فيه: ماابيح للضرورة يتقدر بقدرها"

*📚(القاعدة الخامسة من النوع الاول، ج:۱، ص: ۲۵۲، ۲۶۷)*

Aala Hazrat Imam Ahmad Raza Qudassirrahu Raqam Taraaz Hai,

"Sood Jis Tarah Lena Haram He Dena Bhi Haram He Magar Shariyate Mutahhara Ka Qaaidah Muqarrar He Ki "الضرورات تبیح المحظورات" Isi Liye Aulma Farmate Hai Mohtaaj Ko Soodi Qarz Lena Jaaiz He, Aqool: Mohtaaj Ke Ye Ma'ana Jo Waqaee Haqeeqi Zaroorat Qabile Quboole Shara'a Rakhta Ho, Ki Na Uske Bagair Chara Ho, Na Kisi Tarah Be Soodi Rupya Milne Ka Yara Warna Hargiz Jaaiz Na Hoga Jaise Logoñ Me Raaij He Ki Awlad Ki Shadi Karni Chahi Sau (100) Rupye Paas Hai Hazaar (1000) Rupye Lagane Ko Jee Chaha Navsau (900) Soodi Nikalvaye Ya Makaan Rahne Ko Maujud He Dil Pakke Mahal Ko Huva Soodi Qarz Le Kar Banaya Ya Sau (100) Dosau (200) Ki Tijarat Karte Hai, Quwwate Ahlo Ayaal Baqadre Kifayat Milta He Nafs Ne Bada Saudagar Banna Chaha Paanch Chhe Sau (500-600) Soodi Nikalva Kar Laga Diye Ya Ghar Me Zewar Wagairah Maujud He Jise Bech Kar Rupya Hasil Kar Sakte Hai, Na Becha Balki Soodi Qarz Liya و علی ہذا القیاس Sad'ha Soorteñ Hai Ki Ye Zaroorateñ Nahiñ to Unme Hukme Jawaz Nahiñ Ho Sakta Agarche Log Apne Za'am Me Zaroorat Samjheñ Walihaza Quwwate Ahlo Ayaal Ke Liye Soodi Qarz Lene Ki Ijazat Usi Waqt Ho Sakti He Jab Uske Bagair Koi Tareeqah Basar Awqaat Ka Na Ho Na Koi Pesha Janta Ho Na Naukri Milti He Jis Ke Zariye Se Daal Roti or Mota Kapra Mohtaaj Admi Ki Basar Ke Laaiq Mil Sake Warna Is Qadar Pa Sakta He to Soodi Rupye Se Tijarat Phir Wahi Tawangiri Ki Hawas Hogi Na Zaroorate Quwwat.

*📚(Fatawa Razviya Qadeem, J-7, S-82)*

Sadrushshariyah Allama Mufti Amjad Ali Aazmi Qudassirrahu Raqam Farmate Hai,

"Agar Waqaee Zaroorat Ho to Le Sakte Hai Magar Shadi Gami Ke Beja Rasmeñ Ya Jaidaad Kharidne Ya Tijarat Barhane Ke Liye Sood Par Rupye Lena Jaaiz Nahiñ Ki Koi Zaroorat Nahiñ."

*📚(Fatawa Amjadiya, J-3, S-211)*

Bahrul Uloom Allama Abdul Mannan Aazmi Qudassirrahu Raqam Taraaz Hai,

Soodi Se Qarz Lene Ki Shariyat Ne Jo Ijazat Di He Vo Is Soorat Me He Ki Aadmi Ko Faaqa Ki Naubat Ho. or Kahiñ Paisa Na Milta Ho to Itna Qarza Le Sakte Hai Ki Jaan Bach Jaye, Ye Nahiñ Ki Tijarat Me Lagane Ke Liye. Shariyat Me Zaroorat Aysi Soorat Ko Kahte Hai Jis Me Jaan Jaane Ka Dar Ho Aaj Kal Aam Haalat Me Ham Log Jis Ko Zaroorat Kahte Hai Vo Murad Nahiñ."

*📚(Fatawa Bahrul Uloom, J-4, S-78)*

Tajushshariyah Mufti Muhammad Akhtar Raza Rahimahullahi Ta'ala Alaih Tahreer Farmate Hai,

"Sharaee Zaroorat Ya Haajat Khwah Deeni Ho Ya Shakhsi (Dunyavi) Agar Mutahaqqaq Ho to Bank Wagairah Ya Infiraadi Taur Par Kisi Kafir Se Aysa Qarz Lena Jaaiz He. 

Ashbah Wagairah Me He:

 "الضرورات تبیح المحظورات"

Neez Irshade Baari Ta'ala He,

"وَمَا جَعَلَ عَلَيْكُمْ فِى ٱلدِّينِ مِنْ حَرَجٍۢ "

Or Jo Zyadati Unheñ Deni Pade Vo Sood Nahiñ or Zaroorate Sharaiyah or Haajate Saheeha Jisme Harje Shadeed Laahiq Ho Ya Uske Bagair Chara Namaloom W Mahsoos Ho, Mahaz Karobar Barhana Koi Sharai Zaroorat He Na Hajat He, Yuñ Hi Bahut Gair Zaroori Sharai Zaroorateñ or Gair Sharai Umoor Naqabile Aitbaar Hai or Daf'ae Zillat W Ta'an or Surkh ruee Chahna Koi Sharai Haajat Nahiñ.

Hadees Shareef Me He,

"فضوح الدینااھون من فضوح الاخرہ"

Dene Ki Ruswaai Aakhirat Ki Ruswaai Se Halki He. 

Aysi Naam Ki Zarooratoñ Me Jinke Bagair Chara Ho UnSe Qarz Lena or Unheñ Zyada Dena Haram He Ki Harbi Kafir Ko Faidah Pahunchana He Jo Shar'an Mamnoo'a He.

*📚(Fatawa Tajushshariyah,  J-8, S-54,55)*

Wallahu Ta'ala Aa'alam

*✍🏻Katabahu: Muhammad Raza Amjadi*

*📬 Al-Mukhtasas Fil Fiqh Al-Hanfi Imam Ahmad Raza Learning And Research Centre Nasik Maharashtra*

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