Ability, finances and the hajj queue
Is it permissible to perform Hajj using financing or a loan from a financial institution?
Answer in brief
Performing Hajj through financing or a loan from a financial institution is permissible, subject to several conditions. The loan must be free of riba, and the borrower must have income exceeding personal and dependants' needs to settle the debt and cover Hajj expenses. The loan must be taken solely to hasten the fulfilment of a pillar of Islam, and only by those confident of repaying it after returning from the Holy Land. Someone whose income barely covers daily living is not obliged to perform Hajj even if a loan is taken.
Summary written by DHUMY from the Malay original and checked against it.
hukum melaksanakan ibadah haji melalui pembiayaan atau pinjaman institusi kewangan adalah dibolehkan dan diharuskan.
Source
BAYAN LI AL-HAJ #SIRI 11: HUKUM BERHUTANG UNTUK MENUNAIKAN IBADAH HAJIOffice of the Mufti of the Federal Territories · Bayan Li al-Haj · Published 10 August 2017
This page summarises a published fatwa; it is not a new ruling. For your own situation, read the full fatwa or consult the mufti office of your state.
Other questions on this topic
- Is it better to save or to take bank financing in order to perform Hajj?
- Is choosing a licensed Hajj agency part of istita‘ah, and what is the ruling on Hajj package scams in light of protecting wealth?
- Is it permissible for someone who has not yet performed Hajj for himself to sponsor another person to perform Hajj?
- Is Hajj still obligatory for a kidney patient who undergoes regular hemodialysis treatment?
- What is the ruling on jumping the Hajj queue by paying an insider, and is it sinful?
- Is it permissible to take a loan in order to perform Hajj, and is such a Hajj valid?