The Danger Of Mortgages

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Karim Abuzaid

Channel: Karim Abuzaid

Episode Notes

Episode Transcript

© No part of this transcript may be copied or referenced or transmitted in any way whatsoever. Transcripts are auto-generated and thus will be be inaccurate. We are working on a system to allow volunteers to edit transcripts in a controlled system.


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Who want to stay in who wanna stop you

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want to be let him in? fusina woman sejati

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Maria de la who follow Malala wanna you lil fella? ha de la

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ilaha illa ma de vous la sharika

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wash Mohammedan Abu

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Yeah, you holla Deena Dr. Maha tokachi. Tune in to Muslim moon.

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Yeah.

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Lady Holla

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Holla Carmen has

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in Houma region and Kathy, you're on one.

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With Tacoma lady Tessa Luna v one.

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In namaha Cana de como Atiba?

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Yeah, you have Latina mano De La Hoya Hulu, Colin sadita useless.

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fury lukou

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illa Huwa rasuna hufa defesa avina.

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in dc calama

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Heidi Heidi Muhammad sallallahu alayhi wa alayhi wa sallam

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wakulla, the second bidder waku,

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waku lavalla, thin thinner.

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Muslim brothers and sisters in Islam.

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When you make when

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you have an intention

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that you're making, who

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you go to the bathroom, and you make sure that

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you clean up yourself,

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and you wash your hands and you do the mobile

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and the nose and

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the face, the hands

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and the winding on the head, with the ears,

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and then the feet, then you may do then you are in a state of ritual impurity.

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With that, you can perform Salah

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there are things which, if it happens to you,

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then you will go is no longer valid.

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They call them now are people who will do

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the nollie fires of horrible things which would turn you back from the state of ritual

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purity, to a state of ritual impurity.

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Likewise, when you become a Muslim,

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there are certain things, if you believe

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certain things, if you say

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certain things, if you do actions Eonni it actually can take you out of the fold of Islam.

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It becomes a newly fire of your Islam. But be careful if you do it with knowledge,

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knowingly,

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and with a willful intention,

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a lie will cost both.

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How do you become a Muslim to begin with, and I know this is ABC for some of you, but let's explore that.

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The scholars they say a person becomes a Muslim.

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In a year.

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We're in

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We're in mabille

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you become a Muslim by succession basically, you're born into a Muslim family. And in hamdulillah they enhanced your fitrah

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because everyone is born a Muslim. So they enhanced your filter and they kept you a Muslim so you're a Muslim

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because of your parents

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if the parents taken away or do you

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verted you from the state of Islam and they turned you into a Christian or a Jew and you want to revert. Then you come and say in front of the Muslim community, a Chateau La ilaha illAllah Muhammad Rasul Allah.

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That's to all you tell me that you are a Muslim,

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that you declare that you're a Muslim. So this is two, three, through your action. I see you Mashallah Juma? I have no doubt that you are a non Muslim. I see you observing the Salah when you're a Muslim.

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So that state, how do you come out of it?

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The scholars mentioned three things, brothers and sisters in Islam.

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Number one, build your home.

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Number two, beliefs.

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Number three, you commit an active unruly fire light that will do thing.

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What is your job?

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But again, you have to understand everything that I'm about to say that when you do this with knowledge, and willful intention, if the person is ignorant of what he is doing, he is still a Muslim, and he is being excused by the lack of knowledge, or the scholars they call it a guru bill, Jackie. Oh, he's doing it out of error, or out of forgetfulness, which would negate the willful intention.

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What is it

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that you rejects? What is knowing from the religion by necessity?

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And

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Mr. lumen Mina de basura. Everyone knows, as a Muslim that we have to pray five times a day. And then you come and say, No, we don't have to do that. So you rejected the commands of Allah subhanho wa Taala.

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That you're commanded to do something, and you reject it, you say no to it, I'm not gonna do it.

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Again, brothers and sisters in Islam, with a willful intention, and with knowledge that will take that person out of the fold of Islam. He is no longer a Muslim. And who did this, the leader, Satan, when Allah subhana wa tada commanded him to bow down to Adam, he said, No, I'm not gonna do it. He rejected the command of Allah subhanho wa Taala. And this is a big issue of brothers and sisters in Islam, that you reject the commands of Allah. You see, there is a difference between being unable to perform the act and saying no to the act. And this is how they differentiated we know that the debate amongst the Imams with a

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chef de Maliki

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and Hannah Villa regarding the ruling on the person who does not pray.

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Of course, ilhabela, they said,

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He's young.

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He's not a Muslim. If someone who does not pray, even out of laziness,

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even if he's lazy, why? Because Salah is one of the acts, which is known from the religion by necessity. But the new lady can pray five times a day, and quite frankly brothers and sisters in Islam, even though the school of thought of Liam Abraham is the only one who ruled that but they have legitimate evidence. fee asuna Rasulullah sallallahu alayhi wa sallam says, Allahu Allah diva in an hour, you know who masala the covenant between Jana Otto muslimeen. And this individual who does not pray is a Salah Theremin taraka. Guevara, adonis, whoever turns away from performing the Salah,

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but the School of photofiltre Imam Abu hanifa or Mo Mo Jamia al Maliki yo shafia. They say they differentiated, they said, bring two individuals in front of you and the two of them, don't upgrade

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and ask this one

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Brother, how come you don't pray?

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And he tells you why should I pray? We live in America man, we're busy five times. That's too much. People of the time the Prophet sallallahu alayhi wa sallam they had a lot of time on their hands will occur that if he knows, and if he has the full full intention for Jamil Miller, he goes out of the fold of Islam. Why? Because he's rejecting the commander of Allah subhanaw taala but look at the other one. Brother How come you do not pray? stavroula chief Victoire for me alive in trying this is just difficult stuff for Allah can you please withdraw for me so that I keep up with the Muslim? This is Muslim because he did not reject the command of Allah subhanaw taala he did not perform the

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act of widowhood. What is the act of Jehovah, which takes a Muslim out of the fold of Islam. So this is the first thing that you could do, and it will take that person out of the fold of Islam. Here is the second one.

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Which is really the cornerstone of my hope but today

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is to make hallel the harem

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I will borrow the term my brother or kashia introduced halala is

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making Hillel halala something that is haram and is known to be haram and you turn it and you say about it. It's hella

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brothers and sisters in Islam. To begin with,

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the only one who can say to something is halal.

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Something is haram

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is Allah subhanaw taala.

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No one else is entitled

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to this premise, except Allah subhana wa Tada.

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Why?

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Because Allah subhanho wa Taala revealed it in the revelation.

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And this is why the Hadith in nominees niboshi

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the Prophet sallallahu alayhi wa sallam says hello, Bayesian.

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Bayesian Bayesian is bare Indian

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crystal clear why? Because you have an evidence.

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You have an

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authentic Suna that states that this thing is halal. Or this thing is haram.

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No, for you to say this is Hillel or this is haram. You have to have that evidence in hand and you cannot come to a gray area and say it's halal.

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You can

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look at the law and our eyes the extra consciousness of Allah subhanho wa Taala one level above taqwa

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that all the Imams

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they will never say to something in the gray area it's halal or haram they will never say that. They will say they will use this either Jews or Jews. It's permissible.

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I think it's okay to do it. It's disliked, but he will never say to a gray area matter halaal O'Hara. Why? Because we legislate the halal and haram Allah

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for the lay of the land on this verse in Surah. Al anon

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to Manzella law, Allahu la comida is going

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to mean Muhammad, Allah Allah.

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Allah, Allah Allah.

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You see that provision which Allah wrote down for your subhana wa Taala and then you label this one to be Helen and this one to be hora de de la give you a permission to do this. Or you're uttering ally against Allah.

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What is it? What a Taku Lena pase elsina to Kunal kariba.

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Do not utter ally against Allah because you don't have an evidence to make something happen.

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Now, that gives you a picture regarding someone who does not say to something in the gray area to be Hillel.

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He goes to something that is hard

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And he says it's hard.

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That's why he goes out of the fold of Islam

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against those two restrictions with knowledge and willful intention, why I'm saying this, so don't go around and go, we will go far we can do that, we cannot do that, you have to remove those two, you have to make sure that he is not ignorant, you have to make sure that he is not led by a faulty interpretation, you have to make sure that he did not do this out of error or out of forgetfulness, or he is not forced to do it. You have to remove that from the picture completely before you label an individual to be another Muslim who was a Muslim before. Now.

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The reason for this, and I know this not gonna be favored by a lot of you.

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And you know, I'm very unpopular because of that, but that hamdulillah I'm okay.

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I was asked a question by a family in Canada,

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about

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the ruling on mortgage.

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You take a loan from a bank to buy a house.

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What is the ruling in home mortgage?

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I said it's wrong.

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There is no question about it.

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A B C, usury Riba

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that I take $1 from you, and I give it back to you $1 and a half for $1 and a sin or $1 any benefits that Rasulullah sallallahu Sallam says,

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john Roman, for whatever, like if I give you $100 and you return to the $100 gun, so use it.

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Use it Yeah, give me the $100 now and bring the 12 An hour later I'll take but not to

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use it.

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You're taking money from

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us if the reaction you cannot imagine the emails the the the people as if I said to something that is haram or

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halal or something that is halal Haram

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is

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to that extent, to that extent, I understand that there are some scholars who we love, whom we respect. They fallen into that trap. And they said Hallelujah, Hallelujah Hallelujah. But based on what

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based on what Allah sallallahu alayhi wasallam learn Allahu

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Allah curses usury

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was

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the one who receives meaning the

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killer. The one who is it? The one who feeds it

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was

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the one who writes the contracts. The real estate agent, to say the least

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was we're shahidi and anyone who gets involved by witnessing this look, some of you may say

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maybe the first one is the beneficiary really but that is you know, getting a little piece of the cake.

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All of them are alike.

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Samantha Hello, hello Lisa. How are you gonna make this salad with that text? We said ABC. The schoolers they say there are two types of rebel, Rebel fuck.

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What is the rebel for that? I take $1 from you. I give it back to you about an ascent like explained earlier. ribbon nasiha has to do with commodities, exchange of commodities with some discrepancies, according to the Sharia is not my son. That's ABC River. Now it's wrong based on the text. And based on other texts. It's Hara.

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Yes. Well, Mr. Malik.

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And this is a very interesting story. Someone in Medina got high. He got drunk.

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It was the night of the 15th of Ramadan. I'm sorry, the night of the 15th of the month. I'm still thinking about Ramadan here. So you know when the moon is full moon, the guy is high.

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So he jumping up and down. Thinking that he can catch the moon.

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He thinks that he can catch the Moon The moon is too close.

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The man was watching him. He said what he couldn't be he knew that he's drunk. He said

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The polygon mini

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in Canada Phil is learning Kabila

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divorce my wife if there is a major sin in Islam greater than intoxications liquor, yeah, of course he has to figure out what is the greatest sin in Islam. So he went to a medic. He said the Imam I said this is only let me go back and check. Three days in a row, he came back to him and he said to

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me, your wife is divorced.

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Go to kita Bella, I reflected upon the sooner upon the book of Allah.

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Rasool Allah and the Sunnah of the Messenger of Allah. May Allah be rotten, Amina Reba, I have not found a sin greater in the sight of Allah than usury.

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What do you mean halaal that you go and take this and

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they come back with this.

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Fifth rule,

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which is legitimate

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rules are certain lines, which the scholars use to derive verdicts and religious rulings. The most famous of them is cool.

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To be

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a Buddha, the necessity makes permissible it doesn't need

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to be

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to be

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it doesn't make halab law makes permissible, the forbidden, reverse forbidden. Now, dealing in usury, you must have the necessity. Now the jurists

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define what is

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in the Sharia, law, Sharia, what is the law? What mahana halakha

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Have you heard that you will perish? If you do not do this act, you will be homeless if you do not do this act.

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Let's go with food. You traveling in the desert, you're dying from thirst. You're about to die.

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By all the sudden you spotted a bottle of wine down the dream here

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for you to save your life is to take a drink take it but take enough that survives that makes you survive your survival. But don't drink the whole bottle.

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Take enough heavy apply this to the housing.

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What is going on with rental?

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You're going to be homeless what is going on with rental? Here is what you hear from the brothers. But she rentals you know you can use this for taxes and we waste our money and the guy who gives us the house. So what

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so what

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don't you wanna go to gender?

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is gender cheap for you? Pay for gender.

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Pay for gender? Who giving you that money to begin with? Allah giving it to you pay for gender day to be in the Hillel. I don't care if he deals with usery himself. If he's benefiting from you. I'm a Muslim I can do rental is halal for me. But purchasing this house is haram for me. Now I'm gonna pay those few $1,000 to get two gentlemen

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in the law has

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meaning

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for you to get in.

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Valley. Indeed the commodity

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is expensive. In

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the commodity

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Wouldn't you like to pay to see a law?

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Wouldn't you like to pay to see

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regenda

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and who's giving you the money for rentals to begin with.

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You made this money on your own Allah giving it to you

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to be in the halat

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I'm trying to say

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let's assume

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that you and your wife are separated.

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geographically.

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You live in the US and you live your wife lives in Egypt.

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I'm using Egypt because

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nothing personal.

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Now we read the text

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that a woman cannot travel by herself.

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Without the Hadees Hello, sorry.

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Phil Booker.

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Imagine Rasulullah sallallahu Sallam when he said that a woman should not travel

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the distance of one night by herself, a man stood up rasulillah My wife

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is going for her. And I saw sighs love my name.

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To do jihad with you in this battle.

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Leave that you had and go with your wife

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and that yarn into his deli

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he will have no good company had a tally. What tally up macaroni deli alley golduck tally using logic when you have an evidence is a sick way of dealing with the text. But here's the thing that I'm trying to come across here.

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Now, you want your wife to come to live with you.

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Then you go and book her a ticket.

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Why not you booking a ticket and go and pick her up and come back with her

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to be in the Hillel. Allah give you the money. Do it. So up to this brothers and sisters in Islam.

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Quite frankly.

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When Allah subhanho wa Taala spoke about

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the bounty of having a home

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you know what he said? One la rue de la la

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bu Tikun second.

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Allah subhanho wa Taala that means for you houses homes, what do you find second?

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What is second? piece?

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tranquility.

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Happiness. The one thing that we're all asked, Who is the source of this? Answer me.

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That state of the heart is in the hands of Allah.

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Allah can make you feel a luck and make you anxious.

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cellule te fi pulumi leadin cafaro majan this, we will cast into the hearts of the disbelievers.

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So Allah subhanho wa Taala is the source of that second of that piece of that tranquility.

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How did you get that house? I'm not saying you. But I'm talking about a person who got that house through mortgage through the hard way. So you're guided through the disobedience of Allah.

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You think Allah is going to do this to you?

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That not only this? Yeah, you have leadin manual UI you believe it Taka La Hoya de Roma Dotty Amina Reba, including too many. Fear alone live off usually.

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If you're believers for inlanta follow

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or if you don't do that, then we have been mean Allahu Allah.

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So Allah is the one who is supposed to give you peace and tranquility is at will with you. Because of this house, they care when that lie will lie at least. And we hear it all the time as you mount, fancy boot. feriha fancy homes.

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But look at the people inside it.

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fighting all the time, sick all the time.

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Sometimes you live in a small Hillel place but it's lawful, brings you happiness, because Allah Subhana Allah will make you happy with it.

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You make an easy brothers, no doubt in my mind that a lot of us are indulged in this now. But my message today don't ever see this Hillel do because it's wrong.

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And the funny thing about this thing is that person who followed the fatwah the religion that the verdict of, of one of the scholars maybe 1015 years ago, and he already is living in a house out of mortgage, he still asks

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the moment that he sees another person who claims knowledge. Is it halal or haram? You're already doing it. Why are you asking?

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Why are

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You're asking because it still feels funny.

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If mood hack after sub d wa[???]a. foliar Lee mess while Stoker while Toka Toka sin, something that aches. A few you know, have you ever I feel funny about it.

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Even if they give you fat to one, even if they give you fat, even if they give you fat two or three, still funny.

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There is a difference between you being in engaged in a sin brothers and sisters in Islam

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and feeling it's Helen

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think in Italian

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and the difference between you indulge in a sin and committing a certain sin.

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And you know it's haram

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because you know that thing, Haram, you know, it's Haram, this will be the mobilizing force for you to come out of it. But if you see it Hello,

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how are you gonna come out of it? You see when the Rasulullah sallallahu alayhi wa sallam spoke about Toba?

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He mentioned certain conditions. And one of these conditions is regret fullness. Carlos de la la vida USL and Nether moon

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Toba, the act of regretting what you have done is the cornerstone of the act of repentance. Why? Because you look at it as a sin. But if you don't see it as a sin, how are you gonna regret it?

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Technically, you're not gonna come out of the sin, brothers and sisters in Islam. For the second thing which a person may find himself out of the fold of Islam. If he does this knowingly, with a willful intention that you name something which is haram to be halal, and you believing that this can take you out of the fold of Islam

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Alhamdulillah

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Alhamdulillah wa Sena, Jamil wa shadow Allah Allah illallah wa hula sharika yaku

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serene wa shadow Mohammedan rasuluh sallallahu alayhi wa ala alihi wa sahbihi

00:32:49--> 00:32:52

wa Ala Moana de la

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brothers and sisters in Islam and I hope the brothers that Hindu back community doesn't go at me. I'm actually braising

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you know why the Muslim community in America found a solution for the meat.

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Why?

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Because of the followers of the school of thought of enam Abu hanifa Rahim Allah which is the Hindu back community, mainly.

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You would ask a brother and I'm not trying to radicular make you laugh, but this is the reality. Brother Do you smoke? Yeah. Do you drink? Yeah, sometimes. Do you eat meat? That is not the stuff a lot stuff like can do that.

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That's why we have all these halaal stores in America.

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I was landing in New York, New Jersey airport. Suppan alive. Hello.

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Hello.

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You go to Costco now and you go to Moscow and Moscow and Hello. Why are

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you forced you will as a community.

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What went wrong with the subject of owning homes? You see, I don't want to sit here and just, you know, throw a theory at you and send you home with it. We're gonna think of solutions for this. What thrown you off on this subject? That you got some jurists, jurists making it easy. Yeah, do it. It's okay. As long as the house is not for investment. Is it your first or second house? first or second house? Or the second all the way but but the first house It's okay. What do you mean if it is Riba here it's Riba here.

00:34:46--> 00:34:59

And some brothers say America. We live in America and ship your city Jani. You want to tell me that Allah subhana wa tada in his eternal knowledge, did not know that your excellency is going to take a flight

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from your country to America and you want to decide to live here, now you have to stretch Islam get rid of Islam for you to live you. Why not establish Islam here?

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We have children.

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You see, in some years, we'll, we'll leave. What about your kids? Why not establish Islam here? I'll give you a good scenario here. Very interesting scenario. You know, they've been saying for the last 20 years, that the number of Muslims in America is 8 million. So it's so amazing never increases. But I tell you right now, at least we have 20 to 25 million Muslims living in the United States. So imagine this, just let's get 10 million out of those

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and work together.

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And each one of them places $1 in a fund

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every day, $1 a day, that is $10 million a day

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among 300,000.

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If you do the math, that we solve the problem of No.

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But it takes what now

00:36:11--> 00:36:15

call.com unity,

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community

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togetherness.

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That is why you cannot solve the problem, the problem can be solved. The same thing with insurance, the same thing with anything that we have. But brothers and sisters in Islam, until this happens, please, if you are into that sin, it is a sin. And it is a major sin. See the sin.

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Don't make it Hello, please, I love you a lot. Well, I said this, I know this subject doesn't make me very popular and I'm fine with that. But what I have because I care, because I see it as a sin. That's my message today. Listen, I'm not asking you to break your financials and No, nobody will say that. But the moment that you see it as a sin, and you intend in your heart, that you will not come out of that sin will lie alone will make the meanings for you to come out of it. But as long as you're dwelling on the idea that this is Hillel, there is no way this is will happen.

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The second the third thing brothers and sisters in Islam in closing, which will take a Muslim out of the fold of Islam is coming up with unruly five, committing engaging in hassle and I'm sorry and and and so forth. Insha Allah, Allah subhana wa Taala and Jani our semana middle cabarrus Yara Bella bellami We ask Allah Subhana Allah to protect us all from the major sins above all equal this particular sin, which you know invites allies anger and allies war with you. Let's Allah subhana wa tada and you will enter a llama your head boy of Allah subhanho wa Taala anunaki cassava nominal Hara Mirabella alameen, Allahumma filan alumina Rafi Marina was a bit of a dam and on sadhana alto

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mill Catherine aloha Marina haka ha Kawasaki nativa. Weidenbach

00:38:19--> 00:38:24

Tina, Allahu manana who became in and Phaeton Navara minha

00:38:25--> 00:38:31

bellami Allahu monzo de una casa de kawaii radical movement in a coup Cody had our stuff.

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Just a quick announcement Alhamdulillah Jazakallah Pharaoh May Allah subhanho wa Taala reward every brother and sister who helped us throughout the month of Ramadan, the $75,000 check came went out yesterday. The second payment for this year for this facility in sha Allah de como lo harem Allah subhanho wa Taala he would you may Allah subhanaw taala bless your will akula holy stuff Allahu Allah.