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Scholars differ Money & business

Can a Muslim take a conventional mortgage?

Short answer

Most scholars say an interest-based mortgage is haram because it involves riba, which the Quran forbids (2:275, 2:278). Some contemporary scholars and councils allowed it in non-Muslim countries when a person has no other way to get a home, treating it as a case of need. Others reject this. Look first for an interest-free alternative such as a Sharia-compliant home finance plan, and ask a scholar about your situation.

Evidence

Quran

ٱلَّذِينَ يَأْكُلُونَ ٱلرِّبَوٰا۟ لَا يَقُومُونَ إِلَّا كَمَا يَقُومُ ٱلَّذِى يَتَخَبَّطُهُ ٱلشَّيْطَٰنُ مِنَ ٱلْمَسِّ ۚ ذَٰلِكَ بِأَنَّهُمْ قَالُوٓا۟ إِنَّمَا ٱلْبَيْعُ مِثْلُ ٱلرِّبَوٰا۟ ۗ وَأَحَلَّ ٱللَّهُ ٱلْبَيْعَ وَحَرَّمَ ٱلرِّبَوٰا۟ ۚ فَمَن جَآءَهُۥ مَوْعِظَةٌۭ مِّن رَّبِّهِۦ فَٱنتَهَىٰ فَلَهُۥ مَا سَلَفَ وَأَمْرُهُۥٓ إِلَى ٱللَّهِ ۖ وَمَنْ عَادَ فَأُو۟لَٰٓئِكَ أَصْحَٰبُ ٱلنَّارِ ۖ هُمْ فِيهَا خَٰلِدُونَ ﴿٢٧٥﴾

Ceux qui mangent [pratiquent] de l'intérêt usuraire ne se tiennent (au jour du Jugement dernier) que comme se tient celui que le toucher de Satan a bouleversé. Cela, parce qu'ils disent: «Le commerce est tout à fait comme l'intérêt». Alors qu'Allah a rendu licite le commerce, et illicite l'intérêt. Celui, donc, qui cesse dès que lui est venue une exhortation de son Seigneur, peut conserver ce qu'il a acquis auparavant; et son affaire dépend d'Allah. Mais quiconque récidive... alors les voilà, les gens du Feu! Ils y demeureront éternellement.

يَٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُوا۟ ٱتَّقُوا۟ ٱللَّهَ وَذَرُوا۟ مَا بَقِىَ مِنَ ٱلرِّبَوٰٓا۟ إِن كُنتُم مُّؤْمِنِينَ ﴿٢٧٨﴾

O les croyants! Craignez Allah; et renoncez au reliquat de l'intérêt usuraire, si vous êtes croyants.

This is general information, not a fatwa. For your own situation, ask a qualified scholar.

Questions about halal and haram

Can a Muslim take a conventional mortgage?

Most scholars say an interest-based mortgage is haram because it involves riba, which the Quran forbids (2:275, 2:278). Some contemporary scholars and councils allowed it in non-Muslim countries when a person has no other way to get a home, treating it as a case of need. Others reject this. Look first for an interest-free alternative such as a Sharia-compliant home finance plan, and ask a scholar about your situation.

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