STUDYING ISLAM

Buying on Mortgage

Earlier archive · · October 7, 2026

Question

Buying A House on Mortgage I want to purchase a house in UK. I cant do that unless i use mortgage money.I have been informed that it is mandatory to get the insurance for both the house and your life.The only optional thing in this regard is insurance for the contents of the house.What should i do in this situation? I will be waiting for your reply eagerly. Reply As your question seems to need an urgent reply, I shall give you brief answer straight away. In case you require a more detailed answer, please let me know, but for that I would need a considerably longer time. The Qur'an has basically prohibited "taking" interest. Later on, when the system was cleared and relieved of this evil, "giving" interest was also condemned by the Prophet (pbuh) as is ascribed to him in a few narratives. Because of the structure of the world economy, in general, of the present day, it may sometimes be impossible to save oneself from "paying" interest. The reason is that interest has once again been integrated into the economic structures. In such a situation, a Muslim should try his utmost to avoid "taking" interest. But giving interest on mortgages etc., because it is prohibited only as a result of the prohibition of "taking" interest, may be allowed under the circumstances. I really do not see anything wrong with getting your assets or your life insured. I hope this helps. Regards and salaam The Learner

Answer

Buying A House on Mortgage I want to purchase a house in UK. I cant do that unless i use mortgage money.I have been informed that it is mandatory to get the insurance for both the house and your life.The only optional thing in this regard is insurance for the contents of the house.What should i do in this situation? I will be waiting for your reply eagerly. Reply As your question seems to need an urgent reply, I shall give you brief answer straight away. In case you require a more detailed answer, please let me know, but for that I would need a considerably longer time. The Qur'an has basically prohibited "taking" interest. Later on, when the system was cleared and relieved of this evil, "giving" interest was also condemned by the Prophet (pbuh) as is ascribed to him in a few narratives. Because of the structure of the world economy, in general, of the present day, it may sometimes be impossible to save oneself from "paying" interest. The reason is that interest has once again been integrated into the economic structures. In such a situation, a Muslim should try his utmost to avoid "taking" interest. But giving interest on mortgages etc., because it is prohibited only as a result of the prohibition of "taking" interest, may be allowed under the circumstances. I really do not see anything wrong with getting your assets or your life insured. I hope this helps. Regards and salaam The Learner

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