Q: Husband (H) and wife (W) have two daughters. H and W wanted security for their daughters and the following was therefore proposed. H & W gift the property to the daughters but reserve for themselves a right to live in the property for, say, twenty years or death of both H & W, whichever is […]
Read more...Author: alqalam_ITYPE
Can I take a health insurance in the USA?
Note from Al Qalam: Due to the length of the query, there will be no benefit to reproduce it on here.The questionnaire (US citizen) has asked regarding the permissibility of taking a health insurance in his country as he is in a constant need of medical treatment. For an understanding of the situation, below is an example of the potential medical cost that one may face […]
Read more...What is the amount one must pay as dowry to the wife?
Q: How much mahr (dowry) should one ask for their daughter? People say 500 dirhams. What is its equivalent value in modern day currency? I have heard some say that its present day value is around £700 and I have heard others say that it is £5,000. I am not sure which opinion to follow […]
Read more...Penalty for missed payments
Q: I’m renting a commercial shop and the contract has a clause regarding missed payments and interest etc… Can I say to ‘seller/landlord’ I will pay 10% on the rental amount if the rent is missed by 7 days and 20% if it’s missed by 14days? Please advise. الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب […]
Read more...Distribution of rental income in a joint ownership
Q: The husband and wife both bought the house together. On average they receive £630 in rent every month. The wife paid a contribution towards the deposit and in total has paid about £30k and the husband has paid off the remaining amount of about £120k. In the recent years the monthly mortgage payment has […]
Read more...Can we use the unlawful earnings to pay off a mortgage?
Q: I have £1000 profit worth of shares in a bank (they were acquired through the banks company share save scheme which i’m an employee in the IT department.) I also have a mortgage with the same bank. Is it permissible for me to use the £1000 profit from the shares to pay towards reduction in mortgage. Note […]
Read more...Can you work for a music radio station?
Q: I’ve recently started a job with a company involved in the radio industry, they mainly play music. I work as a developer, on their back end systems, such as reporting what songs were played and when, etc and also on an iPhone application that lets people choose songs they want to listen to. Could you […]
Read more...Can I recover initial investments made towards CFDs?
Q: Would it be allowed to recover my initial investment made into CFDs or do I call it ‘quits’? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: You cannot take possession of any money that you have received through the CFDs investments even if it is to recover your initial capital deposit. As CFDs […]
Read more...Can we deduct the deposit due (e.g. for purchase of a house) and stamp duty from zakat calculation?
Q: 1. Before the start of Ramadhan, we agreed on the purchase of a house from Al-Rayan Bank. The property price has already been agreed and the solicitors are already involved with paperwork Insha’Allah to go through soon. I have money in my bank account but of course I am also liable to pay to the […]
Read more...Can I design revealing dresses for women?
Q: I have a bridal dressmaking/tailoring business. Majority of the time it western girls who come to me and ask for bespoke wedding dress. Of course this means that most of these are revealing and sometimes they ask me to do sketches of this dress. Is this business permissible ? 1)Me tailoring or getting my […]
Read more...Paying someone to get results of fixed matches and then betting accordingly
Q: My spouse has been gambling for 3 years. Over these years the family has been through hell. As a result of his gambling he has lost over half a million pounds. All his hard work has been wasted. He still has an outstanding debt of 15 thousand pounds to pay. The family is just surviving […]
Read more...Is it permissible to work for a clearing house?
Q: I need your guidance in regards to a job offer that I have received. I have been offered a job at the VP (the central securities depository in Denmark) as a relationship manager. My main responsibility would be: •Ensuring that the clients are satisfied with the overall service they are receiving. •Promoting and selling […]
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