Assalamualaikum,
Bohot se log car/bike loan per lete hai. Phir loan na bhar sakne ki wajah se loan dene wale(bank/laon company), woh gadi wapas le jati hai aur us gadi ki nilami / sell hoti hai.
Kiya hum us gadi ko kharid sakte hai.
BANK KI KHICHI HUI GADI KHAREEDNE KA JAWAZ
Agar kisi shakhsh ne gair muslim benk se gaadi khareed ne ke liye raqam haasil ki, Benk ne ye shart lagaai ke itni muddat tak paise adaa nahi karo ge to gaadi zabt kar li jawegi, fir sharte mazkur ki binaa par benk ne gaadi zabt karli ,Ab wo gaadi benk se khareed na jayez hai ya nahi? Jis ko urf me repossessed kaha jata hai.
*
JAWAB
حامدا و مصلیا مسلما
Agar gair muslim bank ne khareedar ke saath ye mu’aahadah- agreement kiya ho ke itni hafte adaa na karne ki surat me ham gaadi zabt kar lenge, To ye maali jurmane ki tarah hai, Aur Ye aksar ulama ke nazdeek jaiz nahi lekin uski gunjaayeesh baaz ulamaa ke nazdeek mojood hai, Aur is surat me bank ya koi aur idaarah us gaadi ka maalik banega to usse khareedna durust hoga,Hazrat molanaZAFAR AHMAD USMANI ne hukumat ke galbe ko sababe milk qaraar diya hai, Jis ki tafseel dusri jagah guzar chuki hai, Mali jurmane ka mas’alah bhi fataawa darul uloom zakariya ki jild chahaarum me mavjood hai,
Lekin agar bank kisi qarz ke na denewale par kuchh mahine qist- hafte adaa na karne ki wajah se jurmaanah laagu kare to ye naa jayiz aur sood hai, Is liye ke jaahiliyat me qarz na denewale par qarz ki wajah se jurmaanah lagaate the , Aur isi ko RIBA E QURAANI kehte hai,Yaani upar
Mazkur sawaal me ek shakal ye hai ke bank ya koi dusraa idaarah gaadi ko wapas le kar asal qeemat khareedar ki wapas karde, to Baaz mashaaikh ke qol se us ke jawaz par bhi roshni padti.(bank ya agent asal Bhari hui qeemat wapas nahi karte) hai,Hazrat mufti RASHID AHMAD sb.raqam likhte hai khareedar paisa adaa na kare aur nahi iqaala-gadi wapas kar ke muaamala cansale kare to bechne wale ko faskh- cansale karne ka ikhtiyaar hai, khareedar ki taraf se paise ko ada na karna sode par razi na hona aur khareedna cansale samjhaa jawega, lihaza bechne wale ke cansale karne se jaanibain ki taraf se faskh- cansale hona sabit ho jawega.
FATAWA DARUL ULOOM ZAKARIYA 5/121.
NOT:Kal ke msg me na jaiz hone ki ek wajha ye thi Bank khareedar ki ada kiye hafte ki raqam wapas nahi karti us panelty shumar karti hai jo upar ke jawab me bhi jaiz nahi.
و الله اعلم بالصواب
Mufti Imran Ismail Memon Hanafi
Ustaze Darul Uloom,
Rampur Surat, Gujarat, India