Haitham al-Haddad – 100 percent Halaal option to own your house – Riba free

			salatu salam ala rasulillah there is a question that people do ask frequently. And whenever I travel
in the UK or outside the UK people do ask me maybe because I'm involved in Islamic Finance, about
halaal mortgage. Is there any halal mortgage in the UK? Is there any halal mortgage in Europe? We
are desperate to have halal mortgage we want our houses and they stopped giving me lectures about
having a house and the future of children etc, etc. And normally I do say to them, oh, yes, there is
there is. And they say, what is it Helen mortgage? Yeah, tell us what is it? I said, Yeah, it is
available? Don't you know about it? And they say no share, please take it seriously, what is it I
		

			said, well, law he will live there is a healthier way to get your house. You call it mortgage,
whatever you want to call it, but there is a halal way. And people say, what is that shall I say to
them?
		

			Subhana Allah, the Prophet sallallahu alayhi wa sallam said, Whoever prays 12 hours a day, Allah
will build for him a house in general.
		

			And you know what very action of many people, most of the people, they say, Oh, come on. I say what
do you mean by come on? What do you mean by come on? As if it is not worth it? As if having a house
in Ghana is not really something serious. It's not really something that motivates people to have
Subhanallah My dear brothers and sisters will lie. I always mentioned this story. I remember when I
was young, I was born and tired. And when I was young, maybe seven, eight, something like this. I
remember that a friend of mine, his house, his father built a big Mansion House. And we were as
young people we were, we were talking about it and we say oh Mashallah You are a lucky person, etc.
		

			and his father was working hard towards that, etc. I still remember the color of that Villa
Subhanallah, just before they move to the villa car, a car hit his father, run him, and he died
Subhanallah even before he moved to that Villa, we are keen to build our houses in the dunya. And
sometimes we don't even move to our houses. While if we build our houses in Ghana, we will
definitely move to them. Moreover, brothers and sisters, when we talk about a house in general, are
we talking about a three bedroom house, four bedroom house, five bedroom house, 10 bedroom house, we
are talking about maybe a house in Ghana that is built from gold or silver or both of them? Yeah, we
		

			are talking about our house in Ghana that maybe we need years and years to travel in that house, to
see to discover that house. We are talking about a palace in Ghana, that we will have hundreds of
servants in that house to serve us. We will not talk about a house that will be full of frat or mice
after some time, we are not talking about a house that we have to pay rent for it or we have to pay
rate to charges for it. We are not talking about a house in the dunya that even if we enjoy it, we
will not fully enjoy it and we will live a short period of time and then we will leave it for our
children who will forget us after some time. We are talking about a house in Ghana that we will
		

			reside in for ever Subhan Allah My dear brothers and sisters. Interestingly, we should know that
some scholar said that if you pray every day, Allah will build for you a house every day in general
and some other scholars said no, if you pray these 12 Records, most of the days Allah will build for
you a house in Ghana. In fact, my dear brothers and sisters, one house in Ghana is more than enough
is more than enough. So Han Allah the Prophet sallallahu Sallam explained those 12 Raka that we need
to pray in order to get the house in Ghana by saying to Raka before fudger for a car before the hood
to Raka after truck after truck after mother and to Raka after Isha. If you calculate the amount of
		

			time that you need to pray those 12 Raka a day well life will not take 15 minutes from your time and
the work that you will get out of those 15 minutes over ways the time that you have spent in praying
those at 12 o'clock. The key thing My dear brothers and sisters, please do ask yourself how many
times I missed those 12 o'clock. How many times in particular I missed for a car before the whole
how many times the key thing in order not to miss them that remember it early in the morning when
you wake up just before going to failure or
		

			In fact, my dear brothers and sisters, when you put your head on the pillow to sleep, you need to
think about what you will achieve tomorrow. And if you put in your mind that you want to get a house
in general, by praying 12 Raka a day you will make sure that you will pray the Torah before the
foraker before the tour after the after the tour after model on the car after Asia. In fact you will
plan for that whether you call it a holiday mortgage, whether you call it mortgage in the first
place. It is the best way, the easiest way and the most effective. In fact the most secure way to
get a house but to get the house where to get the house in the best place to get a house in
		

			Santa Monica