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f:991 -    Taking bank loan to perform Hajj
Country : Jeddah, Saudi Arabia,
Name : Ali
Question:     Mufti Saab, if i take personal loan from bank can i perform hajj?
Answer:     Almighty Allah says about this:

….The Pilgrimage to this House is prescribed for the people for the sake of Allah whoever may afford its journey...  Surah Al Imran (3:97)

There is a Hadith in Jame’ Tirmidhi:

Translation: It has been narrated on the authority of Hadhrat ‘Abdullah bin ‘Umar (May Allah be well pleased with them), he says:  One person came to the Holy Prophet (Sallallahu alaihi wa sallam) and asked: O Prophet of Allah (Sallallahu alaihi wa sallam)!  What obligates a Hajj?  The Holy Prophet (Sallallahu alaihi wa sallam) said:  The expenses and the conveyance.  (Jame’ Tirmidhi, Hadith No. 818)

The jurists have clarified that this means if a person has such an amount of money over and above his basic needs that he can bear the expenses of going to the Ka’aba and staying there and can arrange for the needs of the family for this entire period, then he is deemed to be a man wealthy enough that Hajj is obligatory on him.

For a very dire need, there is a possibility of taking a bank loan.  Apart from this, it is not permissible to take a loan from a bank.

As per the aforementioned details, if you don’t meet the criteria mentioned, Hajj is not obligatory on you at all.  However, it is permissible to take non-interest based loan and go for Hajj.

And Allah The Exalted and The Majestic knows best.

Mufti Syed Ziauddin Naqshbandi Qadri,

[Professor, Islamic Law, Jamia Nizamia,
Founder-Director, Abul Hasanaat Islamic Research Center]
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