Ability, finances and the hajj queue
Is it better to save or to take bank financing in order to perform Hajj?
Answer in brief
Islam does not prohibit a person from taking on debt or financing in order to attain istito’ah (capability) for Hajj. However, saving gradually is considered preferable because it better reflects the concept of capability required by the Shariah, avoids the burden of debt, and protects the financial stability of the individual and family. Financing may be an option in certain circumstances, but the community is encouraged to give priority to a culture of saving.
Summary written by DHUMY from the Malay original and checked against it.
Islam tidak melarang seseorang berhutang atau mengambil pembiayaan untuk mencapai istito'ah bagi tujuan melaksanakan ibadah haji.
Source
#124 Taudhih Al-Hukmi : Keutamaan Menabung Berbanding Mengambil Pembiayaan Di Bank Untuk Menunaikan HajiSelangor State Mufti Department · Taudhih Al-Hukmi (explanatory article, not the official position of the Selangor Mufti) · Published 2 September 2026
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 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?
- Is Hajj valid if performed on a Saudi tourist visa by overstaying until the Hajj season?