What would you do if the guy you just married has taken out a interest mortgage?

[sapphire_blue]

Just hypothetical question obviously . .

Say you get married, it's not really nice or the thing to do to ask your fiance about his financial dealings BEFORE marriage - so what would you do if after marriage you find out the house you are living in was bought with a interest mortgage?!

What does one do ?!?! :confused:

[.: Anna :.]

I think it is okay to ask before hand, maybe u can find a tactful way? well u can ask did u buy this place or are u renting it? and then try 2 find out?

Erm once u found out afterwards i dnt know what u can really do? u could give him advise? whether or not will listen to it i dont know, sometimes men jst want to be in charge of finance totally by themselves with 0% input from wife on that topic.

[sapphire_blue]

I think it is okay to ask before hand, maybe u can find a tactful way? well u can ask did u buy this place or are u renting it? and then try 2 find out?

Erm once u found out afterwards i dnt know what u can really do? u could give him advise? whether or not will listen to it i dont know, sometimes men jst want to be in charge of finance totally by themselves with 0% input from wife on that topic.


Ok, say when you first talk to him - he hasn't got the house yet. And in the period before marriage (when there is no contact between the two) he then takes out the said mortgage?

I know there's sometimes nothing we can do - but if the money he brings in is now joint and it's both of yours money, does that me you are unwittingly now paying riba yourself?!

:(

[.: Anna :.]

I dnt know? i think u would hav 2 ask a scholar about it, whether the sin of riba will b on her aswell? im not sure cos in one way its his responsibility of providing so those finances of his are sort of nothing to do with her, bt then if she knows abt it and accepts then it is involvement in it..

I jst think he should tell b4 marriage what his plans are. if he says i am going to get a place for us to live, then its not unreasonable to ask for details abt it? mayb the parents cd ask if she feels shy 2 do so? like if my daughter was getting married i would think its okay 2 send her father 2 ask his how he is gna finance the house like from normal mortgage or islamic one or renting? i understand ppl might think it is interfering... hmm bt u would want to kno, cos atleast u could advise beforehand and if he realises wife wont accept that, he might not do it :S

[neelu]

The fact that the woman is not given a chance to interact enough with the man before marriage to have the opportunity to have answers to even the most basic questions such as this (and as someone else said, if she is THAT strict about talking to men, she can ask a male relative to pose these questions on her behalf)

If the money paid towards the mortgage is from the husband's earnings, then the wife is not accountable for it. She is only accountable if she signed for the mortgage or contributed money KNOWING that it was paying towards a riba transaction. She has no obligation towards him in terms of financial responsibility and is entirely within her rights to say that she wouldn't financially contribute to such a transaction, giving her reasons from the Quran and Sunnah.

[Noor]

advise him to change the mortgage to a halal mortgage.

[Eemaan]

advise him to change the mortgage to a halal mortgage.

you can do that :eek3:

[`asiya]

Just hypothetical question obviously . .

Say you get married, it's not really nice or the thing to do to ask your fiance about his financial dealings BEFORE marriage - so what would you do if after marriage you find out the house you are living in was bought with a interest mortgage?!

What does one do ?!?! :confused:

first i would check out his deen, and ask him all about his beleifs as a muslim, dont ever take it for granted that just because someone is a muslim that they beleive what u beleive or have the same moral and religious standards and principles.Ask them about all aspects of life. And what do they think about having a bank account at all for starters... but if i found myself in that situation then i would ask my husband to sell the house give the money back to the bank for the sake of Allah and our marriag, because nothing that involves haram can ever be sucessful, and we would move into a rented flat insha Allah :up:

[Tosh]

Marriage is a major commitment. In many ways it should be dealt with as a business deal (in terms of fulfilling a contract, rather than the transfer of funds!). Scrutinise carefully whilst compromising on 'wants' as opposed to Islamic 'needs', we shouldn't just wait to find out later and then be annoyed.

Everyone has flaws, true. But something like riba, where Allah has said He will wage war on the person who deals in it, is something you really don't want to get involved with. However, you have to compare to the general population is some ways, because if someone respectable and knowledgeable has past a fatwa allowing it in a particular circumstance (such as a single mortgage for the house you live in) at a given time; the person is not as blameworthy for also taking that opinion.

But now there are other developed options - 'Islamic' mortgages are now available, and closer to being Halal. Also, there is a difference between doing something reluctantly (like having a bank account) and doing it happily and trying to benefit from it and rely on it. If it is Haram, the hate in the heart for it should be maintained so that one is always looking for other options.

That said, if he completely denies it/ rejects it being wrong etc - in an ideal Islamic environment - that would be reasonable grounds for her to ask for divorce. And the family would be supportive. And no one would blame her for it, and it wouldn't be a blot on her if she wanted to get married again. But, most of us don't have this.

May Allah help us all keep away from the things which displease him. And keep us free from relying on others financially when it is not our given right. Ameen.

Allahu Alim. Allah knows best.

[Qalb Al Asad]

An 'Islamic mortgage' is just a way of disguising interest payments as 'rent' and you are paying even more because the lender is taking advantage of religious principles. This is worse than an interest mortage. There is no getting around it unless you come up with all cash.

[Tosh]

I get you. But they aren't all the same either. And there are more options than that.... like Ansar Finance Group.

If Muslims were better at trying to follow Islam, other solutions would present themselves. There is often a way to be Halal when people want it. However, there are also situations when the Haram becomes permissible/advisable temporarily. For instance, starving and the only food to eat is pork.

JazakAllah khair though, for your actively forbidding the evil and encouraging the good.

[Saadet]

Wait...are there such things as non-interest mortgages?

[Tosh]

Wait...are there such things as non-interest mortgages?

If that is not sarcastic, then YES, by definition there are. Islamic Mortgages from HSBC Amanah etc. However, the contract involves using a partial rent partial purchase agreement, which is fine in terms of Shariah. However, they change their rates to match interest rates, and also the contract means the 'buyer' takes most of the blame and loss in times of negative equity (house price losing value).
This later part is a bit dodgy from an Islamic perspective.

If not sarcastic, then 'perhaps not.' However, Ansar Finance Group do provide an alternative finance arrangement which does not involve interest. It is not that accessible at the moment, but InshaAllah Allah will put Barakah in their sincere efforts (MashaAllah), and in the future they will expand and maintain their true Shariah-compliance.

Allahu Alim. Allah knows best.

[Saadet]

Hm.

Well, in Canada we apparently don't have those things, because I'm paying interest like a sucker!

[Fairy]

Aint a halal mortgage the same thing? Money eating people everywhere! Just buy saying halal dont make it halal...

[Noor]

I think one needs to explore the financial products available and need to read the rules of finance in Islam before they start jumping to conclusions. Yes there are "halal" financial products out there which are dodgy but there are also others which are not. Like i said u have to explore the market.