Category: Business Matters
Fatwa#: 41023
Asked Country: Bangladesh

Answered Date: Oct 09,2018

Title: Can my creditor enjoy the rent of the item held by him as collateral?

Question

A person (person-A) has a Shop on a market. He gets monthly rent (Amount-A) from that shop. Recently that person is in need of some money and he (Person-A) wants to mortgage his shop for certain amount of money. Now my question is, if it is permissible for some other person (Person-B) to give him (Person-A) that money and enjoy the shop rent (Amount-A) until Person-A returns the money to person-B?

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

It is not permissible for the creditor (Person B) to derive benefit from the shop placed as collateral for the debt owed to him by Person A.[i]

And Allah Ta’āla Knows Best

Tahmid Chowdhury

Student Darul Iftaa

New York, USA

Checked and Approved by,

Mufti Ebrahim Desai.



[i]

الفلك المشحون فيما يتعلق بانتفاع المرتهن والمرهون (ص: 39)

فظهر أن الأولى بالقبول هو الفرق بين المشروط وغير المشروط، وأن المشروط أعم من أن يكون صراحة أو حكما لكون المعروف كالمشروط.

فإلى الله المشتكى من صنيع جهلاء زماننا يشترطون الإذن في الرهن أو يقصدون ذلك، وأنه لولاه لما ارتهنوا ذلك، ويظنون جوازه أخذا من قول الفقهاء يجوز بالإذن، وشتان ما بين مرادهم ومرادهم

 

فتاوى محمودية ج٢٥ ص٣٧٦

 

الأصل للشيباني ط قطر (3/ 163)

فأما غلة العبد أو الدار أو الأرض (10) تؤاجر فإن (11) هذا لا يشبه ذلك؛ لأن هذا ليس من الرهن بشيء (12). فإن كان المرتهن أجرها بغير أمر الراهن فالغلة له ويتصدق بها. فإن كان الراهن أذن له في ذلك فقد خرجت من الرهن، ولا يعود فيه إلا برهن مستقبل، والغلة للراهن. فإن استهلكها فهو لها (13) ضامن.

 

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