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

			Hello salat wa 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 Halal 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 started 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 this. And they say, What is it * and 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 to Allah, He will lie. There is a halal 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? Yeah, I say to
them
		

			Subhanallah the Prophet sallallahu alayhi wa sallam said, Whoever prays 12 raka a day Allah will
build for him a house in Ghana. And you don't want the reaction of many people. Most of the people,
they say oh, Chef chef. 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. Well, Allah
He I always mentioned this story. I remember when I was young, I was born and type. And when I was
young, maybe seven, eight, something like this. I remember that a friend of mine, his heart, 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 moved to the villa of car, a
car hit his father ran 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 do not 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 rat or mice after some time, we are not talking about a house that we
have to pay your 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 scholars said that if you pray every day, Allah
will build for you a house every day in Ghana and some other scholars said no, if you pray these 12
rockers 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. Subhan Allah the Prophet
sallallahu Sallam explained those 12 raka that we need to pray in order to get our house in Jannah
		

			by saying to raka before Fajr for Raka before the horse to rock out 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 Wallah it will not take 15 minutes from your time and the baraka 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 rocker before the whole how many times the key thing in
order not to miss them that remember in 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 Ghana, by praying 12 raka a day, you will make sure that you will pray the Torah before Fajr
before a cart before the horse the track after the after the tour aka after motherland that will
occur after Asia. In fact, you will plan for that whether you call it a halal 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 secured way to get a house but to get the house where to get the house in the best
		

			place to get a house in. Jana,
		

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