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    <title>Mufti Abu Layth Archive: fiqh/finance/riba-and-mortgages</title>
    <link>https://muftiabulayth.org/themes/fiqh-finance-riba-and-mortgages/</link>
    <description>Answers on fiqh/finance/riba-and-mortgages, newest recording first.</description>
    <language>en</language>
    <lastBuildDate>Fri, 29 Jan 2021 00:00:00 +0000</lastBuildDate>
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    <item>
      <title>Could a senior scholar ever publicly change his fatwa on mortgages?</title>
      <link>https://muftiabulayth.org/r/rtwywca2-pq/s/9/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/rtwywca2-pq/s/9/</guid>
      <pubDate>Fri, 29 Jan 2021 00:00:00 +0000</pubDate>
      <category>dialogue/views-on-contemporary-scholars</category>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth doubts the jurist could ever publicly accept the guest's view; the guest says almost no scholar is fully independent of politics, audience or salary.&lt;/p&gt;
&lt;p&gt;Answer from 29 January 2021 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Atabek Shukurov | Mortgages, Madhabs &amp;amp; Molvi-ism | MindTrap 48 | Mufti Abu Layth (at 39:38)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on dialogue/views-on-contemporary-scholars exists&lt;/b&gt; (22 February 2023): &lt;a href="https://muftiabulayth.org/r/mofs_0ugn4e/s/1/"&gt;Should scholars publicly condemn a scholar said to have joined in a libation ritual?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=rtwyWCa2-pQ&amp;amp;t=2413s"&gt;Watch on YouTube at 40:13&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>What happened when Shaykh Atabek wrote to Mufti Taqi Usmani about mortgages?</title>
      <link>https://muftiabulayth.org/r/rtwywca2-pq/s/8/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/rtwywca2-pq/s/8/</guid>
      <pubDate>Fri, 29 Jan 2021 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>dialogue/views-on-contemporary-scholars</category>
      <description>&lt;p&gt;&lt;b&gt;What happened when Shaykh Atabek wrote to Mufti Taqi Usmani about mortgages?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The guest says his respectful open letter to Mufti Taqi Usmani on mortgages got no reply, only an abusive reaction from students, which he does not think the mufti ordered.&lt;/p&gt;
&lt;p&gt;Answer from 29 January 2021 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: quoted view (stated in order to be discussed, not necessarily held)&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Atabek Shukurov | Mortgages, Madhabs &amp;amp; Molvi-ism | MindTrap 48 | Mufti Abu Layth (at 33:53)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on dialogue/views-on-contemporary-scholars exists&lt;/b&gt; (22 February 2023): &lt;a href="https://muftiabulayth.org/r/mofs_0ugn4e/s/1/"&gt;Should scholars publicly condemn a scholar said to have joined in a libation ritual?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=rtwyWCa2-pQ&amp;amp;t=2033s"&gt;Watch on YouTube at 33:53&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/8/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Isn't calling a mortgage agency just a loophole for interest?</title>
      <link>https://muftiabulayth.org/r/rtwywca2-pq/s/7/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/rtwywca2-pq/s/7/</guid>
      <pubDate>Fri, 29 Jan 2021 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Isn't calling a mortgage agency just a loophole for interest?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The guest says the loophole charge is backwards: what counts is what is technically happening, and a bank that also gives loans can still offer a permissible mortgage, as a pub also sells food.&lt;/p&gt;
&lt;p&gt;Answer from 29 January 2021 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: quoted view (stated in order to be discussed, not necessarily held)&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Atabek Shukurov | Mortgages, Madhabs &amp;amp; Molvi-ism | MindTrap 48 | Mufti Abu Layth (at 31:13)&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=rtwyWCa2-pQ&amp;amp;t=1873s"&gt;Watch on YouTube at 31:13&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/7/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is a mortgage riba?</title>
      <link>https://muftiabulayth.org/r/rtwywca2-pq/s/6/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/rtwywca2-pq/s/6/</guid>
      <pubDate>Fri, 29 Jan 2021 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>dialogue/guest-conversations</category>
      <description>&lt;p&gt;&lt;b&gt;Is a mortgage riba?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The guest says a mortgage is not riba because the bank acts as an agent buying a specific house and then sells it on in instalments; riba is only a free loan repaid with extra.&lt;/p&gt;
&lt;p&gt;Answer from 29 January 2021 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: quoted view (stated in order to be discussed, not necessarily held)&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Atabek Shukurov | Mortgages, Madhabs &amp;amp; Molvi-ism | MindTrap 48 | Mufti Abu Layth (at 23:22)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on dialogue/guest-conversations exists&lt;/b&gt; (18 October 2025): &lt;a href="https://muftiabulayth.org/r/onzjd7xmdhe/s/32/"&gt;How should Muslims engage people with very different views of the religion?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=rtwyWCa2-pQ&amp;amp;t=1559s"&gt;Watch on YouTube at 25:59&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/6/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Can I take a mortgage, and can I urinate standing up?</title>
      <link>https://muftiabulayth.org/r/eo90sv4jvho/s/10/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/eo90sv4jvho/s/10/</guid>
      <pubDate>Tue, 05 Jan 2021 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>fiqh/purification</category>
      <description>&lt;p&gt;&lt;b&gt;Can I take a mortgage, and can I urinate standing up?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Bank interest is not the Quran's riba in his understanding, and urinating standing up is fine, with care over splashing. Mufti Abu Layth says that, in his understanding, the riba of the Quran refers to loan-sharking and not to regular bank interest.&lt;/p&gt;
&lt;p&gt;Answer from 5 January 2021 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Monday Nights with Mufti #196 | Q&amp;amp;A Unscripted &amp;amp; Unrestricted! 😉 | Mufti Abu Layth (at 36:22)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/purification exists&lt;/b&gt; (18 October 2025): &lt;a href="https://muftiabulayth.org/r/onzjd7xmdhe/s/19/"&gt;Why does the guest's prayer have no fixed number of units, and what counts as wudu?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=eo90sV4JVHo&amp;amp;t=2260s"&gt;Watch on YouTube at 37:40&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/eo90sv4jvho/s/10/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is Sharia-compliant investing really different from normal investing?</title>
      <link>https://muftiabulayth.org/r/w6tqwuuumcg/s/9/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/w6tqwuuumcg/s/9/</guid>
      <pubDate>Tue, 27 Oct 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>fiqh/legal-theory</category>
      <description>&lt;p&gt;&lt;b&gt;Is Sharia-compliant investing really different from normal investing?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth says ethical investing is fine, but interest loopholes are absurd: bank interest is not Quranic riba and mortgages are permissible. Mufti Abu Layth says he does not believe the modern interest system is the riba of the Quran, and that mortgages are permissible.&lt;/p&gt;
&lt;p&gt;Answer from 27 October 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Monday Nights with Mufti #188 | Q&amp;amp;A Unscripted &amp;amp; Unrestricted! 😉 | Mufti Abu Layth (at 1:00:13)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/legal-theory exists&lt;/b&gt; (18 October 2025): &lt;a href="https://muftiabulayth.org/r/onzjd7xmdhe/s/23/"&gt;If reason helps us understand the Quran, does the reasoning of earlier scholars matter too?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=w6TqWuUumCg&amp;amp;t=3641s"&gt;Watch on YouTube at 1:00:41&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/w6tqwuuumcg/s/9/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Why isn't bank interest riba?</title>
      <link>https://muftiabulayth.org/r/kwmtt2tqao0/s/4/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/kwmtt2tqao0/s/4/</guid>
      <pubDate>Mon, 24 Aug 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Why isn't bank interest riba?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth holds that today's bank interest is not the riba the Quran addresses, arguing that the usual definition of riba as 'something extra' does not hold together. Mufti Abu Layth says the Quran does not address interest today as riba.&lt;/p&gt;
&lt;p&gt;Answer from 24 August 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Monday Nights with Mufti #179 | Q&amp;amp;A Unscripted &amp;amp; Unrestricted! 😉 | Mufti Abu Layth (at 14:40)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=KWmtt2TQAO0&amp;amp;t=918s"&gt;Watch on YouTube at 15:18&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/kwmtt2tqao0/s/4/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is bank interest the riba that the Quran forbids?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/35/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/35/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Is bank interest the riba that the Quran forbids?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth's view: the riba of the Quran means loan sharking, not interest-based bank loans, though banks are not philanthropists.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 2:19:01)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=8495s"&gt;Watch on YouTube at 2:21:35&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/35/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Are Islamic mortgages really different from normal mortgages?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/33/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/33/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>fiqh/finance</category>
      <description>&lt;p&gt;&lt;b&gt;Are Islamic mortgages really different from normal mortgages?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth calls Islamic mortgages a loophole that does the same thing as a conventional one at a higher price with an Islamic veneer.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 2:06:11)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance exists&lt;/b&gt; (4 July 2021): &lt;a href="https://muftiabulayth.org/r/umpepyisc_g/s/1/"&gt;Is it wrong to want to be rich?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=7571s"&gt;Watch on YouTube at 2:06:11&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/33/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is it wrong to expect something back when you lend money?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/30/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/30/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Is it wrong to expect something back when you lend money?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth says modern lending has safety nets that loan sharks lack, and that people being motivated by a return is nothing wrong.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 1:55:10)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=6910s"&gt;Watch on YouTube at 1:55:10&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/30/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is investing as a partner better than lending at interest?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/29/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/29/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Is investing as a partner better than lending at interest?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth accepts partnership as a better model but says lending and investing both run on greed; the guest calls today's system worse than riba.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 1:50:43)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=6643s"&gt;Watch on YouTube at 1:50:43&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/29/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Does bank lending help society prosper?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/28/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/28/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>fiqh/finance</category>
      <description>&lt;p&gt;&lt;b&gt;Does bank lending help society prosper?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth argues that bank lending, by recycling the same money, is what has allowed modern societies to prosper; the guest warns of endless debt.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 1:46:53)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance exists&lt;/b&gt; (4 July 2021): &lt;a href="https://muftiabulayth.org/r/umpepyisc_g/s/1/"&gt;Is it wrong to want to be rich?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=6413s"&gt;Watch on YouTube at 1:46:53&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/28/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Why might the Quran's ban on riba not apply to modern loans?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/27/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/27/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Why might the Quran's ban on riba not apply to modern loans?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth argues that Quranic riba belonged to a zero-sum economy and does not apply to modern loans; the guest describes its human cost.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 1:42:19)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=6139s"&gt;Watch on YouTube at 1:42:19&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/27/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is bank interest the same as the riba forbidden in the Quran?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/26/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/26/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Is bank interest the same as the riba forbidden in the Quran?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth holds that the riba of the Quran meant loan sharking, not modern banking; the guest says today's banks are loan sharks.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 1:35:53)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=5753s"&gt;Watch on YouTube at 1:35:53&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/26/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is it better to rent or to take a mortgage?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/25/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/25/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Is it better to rent or to take a mortgage?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth argues that, compared with renting, a mortgage is probably the better option, and presses the guest on what is wrong with riba as a concept.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 1:30:43)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=5443s"&gt;Watch on YouTube at 1:30:43&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/25/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Can the bank take my whole house if I default near the end of my mortgage?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/24/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/24/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>society/current-events/britain</category>
      <description>&lt;p&gt;&lt;b&gt;Can the bank take my whole house if I default near the end of my mortgage?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth says that, in UK practice, mortgage lenders are far more lenient with defaulters than landlords, and asks to discuss riba as a concept.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 1:26:11)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on society/current-events/britain exists&lt;/b&gt; (15 May 2021): &lt;a href="https://muftiabulayth.org/r/umku_ocftes/s/3/"&gt;Do protests help Palestine, and was blocking the roads in Birmingham justified?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=5171s"&gt;Watch on YouTube at 1:26:11&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/24/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Why is lending money for profit considered wrong in Islam?</title>
      <link>https://muftiabulayth.org/r/wce73zqci_i/s/23/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/wce73zqci_i/s/23/</guid>
      <pubDate>Fri, 10 Jul 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Why is lending money for profit considered wrong in Islam?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mufti Abu Layth tests why profit on loans is a problem; the guest points to profit-sharing partnership as the alternative.&lt;/p&gt;
&lt;p&gt;Answer from 10 July 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: quoted view (stated in order to be discussed, not necessarily held)&lt;/p&gt;
&lt;p&gt;Recording: Shaykh Omar Baloch | Cynicism, Consumerism &amp;amp; the Catch 22 of Riba | Mindtrap with Mufti #30 (at 1:24:20)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=wCe73zqCi_I&amp;amp;t=5060s"&gt;Watch on YouTube at 1:24:20&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/wce73zqci_i/s/23/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is it halal to buy bad loans and foreclose on people's homes?</title>
      <link>https://muftiabulayth.org/r/51qevhjqnt4/s/8/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/51qevhjqnt4/s/8/</guid>
      <pubDate>Fri, 28 Feb 2020 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Is it halal to buy bad loans and foreclose on people's homes?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Buying property as a business is permissible in his view, but exploiting people who cannot pay and evicting them is oppression he is against. Mufti Abu Layth says he is against exploiting people who lack money by throwing them out of their homes.&lt;/p&gt;
&lt;p&gt;Answer from 28 February 2020 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Fadak between Fatima (r) &amp;amp; Abu Bakr (r) Detailed Overview | Mufti Abu Layth (at 30:52)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=51Qevhjqnt4&amp;amp;t=1852s"&gt;Watch on YouTube at 30:52&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/51qevhjqnt4/s/8/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Are student loans, car finance and mortgages haram?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/13/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/13/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>fiqh/finance</category>
      <category>society/islam-and-modernity</category>
      <description>&lt;p&gt;&lt;b&gt;Are student loans, car finance and mortgages haram?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mortgages, student loans, car finance and other bank loans are not haram in Mufti Abu Layth's understanding, though nobody is obliged to take them. He encourages Muslims in the West to invest in property, while leaving renting or Islamic mortgages to personal choice. Mufti Abu Layth holds that mortgages, student loans, car finance and other bank loans are not haram, though nobody is obliged to take them, and offers as his own thought, which viewers may discard, that Muslims living as minorities in the West should invest in property and build assets.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 56:42)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on society/islam-and-modernity exists&lt;/b&gt; (19 August 2022): &lt;a href="https://muftiabulayth.org/r/t0phqrnjjby/s/11/"&gt;Should all religions be free to compete without state backing?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=3402s"&gt;Watch on YouTube at 56:42&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/13/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Is an Islamic mortgage any different from a conventional mortgage?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/12/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/12/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>fiqh/maliki-school</category>
      <category>history/companions</category>
      <description>&lt;p&gt;&lt;b&gt;Is an Islamic mortgage any different from a conventional mortgage?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mortgages and bank loans today are not the riba the Quran condemns, in Mufti Abu Layth's understanding. Islamic mortgages are the same thing under another name, a loophole the Maliki school has never liked, as Umar said of the jizya renamed a gift. Mufti Abu Layth holds that conventional mortgages and bank loans are not the riba the Quran condemns, and that so-called Islamic mortgages are the same thing under another name, a play on words of the loophole kind the Maliki school has never liked.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 51:45)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/maliki-school exists&lt;/b&gt; (19 April 2023): &lt;a href="https://muftiabulayth.org/r/zkklciv1tk8/s/2/"&gt;Why does the practice of Madinah matter more than a single hadith?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=3195s"&gt;Watch on YouTube at 53:15&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/12/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Why did the Quran declare war on riba?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/11/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/11/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>quran/tafsir</category>
      <description>&lt;p&gt;&lt;b&gt;Why did the Quran declare war on riba?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The Quran declared war on riba because of the tyranny of a loan-shark culture in a world of finite money, which modern banking does not resemble. The only similarity is that more is repaid than taken, which banks explain by inflation and motivation. Mufti Abu Layth says the Quran declared war on riba because of the tyranny of a loan-shark culture in a world of finite money, and that modern bank lending, whose only similarity is that more is repaid than taken, is nothing like it.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 47:23)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on quran/tafsir exists&lt;/b&gt; (18 October 2025): &lt;a href="https://muftiabulayth.org/r/onzjd7xmdhe/s/30/"&gt;Why are two of the daily prayers recited silently when 17:110 says not to be silent?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=2984s"&gt;Watch on YouTube at 49:44&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/11/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>How can a bank lend out more money than it has?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/10/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/10/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>fiqh/finance</category>
      <category>society/islam-and-modernity</category>
      <description>&lt;p&gt;&lt;b&gt;How can a bank lend out more money than it has?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Banks lending out far more than they hold, though it can be abused, is what allows communities to flourish. Money today is created out of nothing, but spending it enriches others. Mufti Abu Layth says that banks being authorised to lend far more money than they hold, although it can be done irresponsibly, is what allowed communities and societies to flourish.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 41:39)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on society/islam-and-modernity exists&lt;/b&gt; (19 August 2022): &lt;a href="https://muftiabulayth.org/r/t0phqrnjjby/s/11/"&gt;Should all religions be free to compete without state backing?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=2552s"&gt;Watch on YouTube at 42:32&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/10/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>How did Adam Smith and industrialisation change attitudes to greed and lending?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/9/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/9/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>arts/philosophy-and-ideas</category>
      <category>society/islam-and-modernity</category>
      <description>&lt;p&gt;&lt;b&gt;How did Adam Smith and industrialisation change attitudes to greed and lending?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Adam Smith's idea of the pursuit of self-interest and the industrial-era promise of a better tomorrow changed a mindset in which greed was simply evil and nobody would lend. These are ingredients of the modern economy the Quran did not address. Mufti Abu Layth says that before Adam Smith's promotion of the pursuit of self-interest greed was seen simply as evil, as it was when the Quran condemned riba, and that industrialisation brought a new promise of a better tomorrow, before which people would not lend money.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 36:59)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on society/islam-and-modernity exists&lt;/b&gt; (19 August 2022): &lt;a href="https://muftiabulayth.org/r/t0phqrnjjby/s/11/"&gt;Should all religions be free to compete without state backing?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=2219s"&gt;Watch on YouTube at 36:59&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/9/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>How was the economy of the Prophet's time different from today's?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/8/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/8/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>society/islam-and-modernity</category>
      <category>arts/philosophy-and-ideas</category>
      <description>&lt;p&gt;&lt;b&gt;How was the economy of the Prophet's time different from today's?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The Quranic prohibition came in an economy of finite gold, where wealth could only grow by taking it from others. Money, which Mufti Abu Layth calls humanity's greatest invented story, was later dematerialised into paper, changing everything. Mufti Abu Layth says the Quran was revealed in an economy of finite money, in which wealth could only grow by taking it from others, and that this changed entirely when money was dematerialised into paper a few hundred years ago.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 29:45)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on society/islam-and-modernity exists&lt;/b&gt; (19 August 2022): &lt;a href="https://muftiabulayth.org/r/t0phqrnjjby/s/11/"&gt;Should all religions be free to compete without state backing?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=1785s"&gt;Watch on YouTube at 29:45&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/8/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Are mortgages and bank loans the riba forbidden in the Quran?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/7/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/7/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>society/islam-and-modernity</category>
      <description>&lt;p&gt;&lt;b&gt;Are mortgages and bank loans the riba forbidden in the Quran?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Mortgages and bank loans are not the riba forbidden in the Quran, which addressed a tyrannical loan-shark culture. Today's borrower is the one giving more, not taking, and is protected by a legal framework of cooperation, debt management and bankruptcy. Mufti Abu Layth holds that mortgages and bank loans are not the riba forbidden in the Quran, which was declared war on because of a tyrannical loan-shark culture unlike today's regulated banking, in which the borrower gives back more out of necessity and is legally protected.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 21:46)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on society/islam-and-modernity exists&lt;/b&gt; (19 August 2022): &lt;a href="https://muftiabulayth.org/r/t0phqrnjjby/s/11/"&gt;Should all religions be free to compete without state backing?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=1306s"&gt;Watch on YouTube at 21:46&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/7/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Did the scholars ever agree on what counts as riba?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/6/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/6/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>fiqh/madhhabs-and-following</category>
      <description>&lt;p&gt;&lt;b&gt;Did the scholars ever agree on what counts as riba?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;There has never been clarity or agreement on what riba applies to: the Hanafi, Shafi'i and Maliki schools each defined its scope differently, and nobody calls a phone-for-phones swap riba. No scholar has given Mufti Abu Layth a satisfying explanation of why delay in barter is riba. Mufti Abu Layth says there has never been agreement or clarity among the scholars on what riba applies to, and that none of the senior scholars he has asked has given a satisfying explanation of why delaying one side of a barter between different goods is riba.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 17:12)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/madhhabs-and-following exists&lt;/b&gt; (10 December 2022): &lt;a href="https://muftiabulayth.org/r/s-vm6mgbll8/s/12/"&gt;What did Abu Hanifa say about Imam Malik?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=1032s"&gt;Watch on YouTube at 17:12&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/6/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Does the Quran forbid every kind of excess when it forbids riba?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/5/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/5/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>quran/tafsir</category>
      <category>fiqh/legal-theory</category>
      <description>&lt;p&gt;&lt;b&gt;Does the Quran forbid every kind of excess when it forbids riba?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The definite article in 'Allah forbade riba' points to a specific known kind of riba, not every excess, since most excesses are not haram. Umar wished the Prophet had explained riba, and Ibn Abbas held there was no riba except in delay. Mufti Abu Layth says the definite article in the Quran's prohibition of riba refers to a particular kind of riba already known to its hearers, not to every excess, since riba simply means excess and most excesses are agreed not to be haram.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 14:16)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on quran/tafsir exists&lt;/b&gt; (18 October 2025): &lt;a href="https://muftiabulayth.org/r/onzjd7xmdhe/s/30/"&gt;Why are two of the daily prayers recited silently when 17:110 says not to be silent?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=856s"&gt;Watch on YouTube at 14:16&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/5/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
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    <item>
      <title>What is riba al-fadl and what does the hadith on gold, silver, wheat, barley, dates and salt say?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/4/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/4/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>hadith/individual-hadith-explained</category>
      <description>&lt;p&gt;&lt;b&gt;What is riba al-fadl and what does the hadith on gold, silver, wheat, barley, dates and salt say?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The six-commodities hadith requires equal, hand-to-hand exchange and makes delay riba, even between different goods. Taken literally it would make credit impossible, so the scholars exempted gold and silver by a kind of consensus. Mufti Abu Layth says the six-commodities hadith, taken as it stands, would make any purchase on credit impossible, and that the scholars by a kind of consensus exempted gold and silver from it while keeping the other four goods.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 9:16)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on hadith/individual-hadith-explained exists&lt;/b&gt; (14 March 2021): &lt;a href="https://muftiabulayth.org/r/tr3nsx3ufy8/s/22/"&gt;Does the Quran say Jesus died, and how did the Prophet understand the verse 'when you took me'?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=556s"&gt;Watch on YouTube at 9:16&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/4/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>What was the riba of the jahiliyyah that the Quran condemned?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/3/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/3/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>history/pre-islamic-arabia</category>
      <description>&lt;p&gt;&lt;b&gt;What was the riba of the jahiliyyah that the Quran condemned?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Riba is spoken of as three kinds: riba al-jahiliyyah, riba al-fadl and riba al-nasi'a. The riba of the jahiliyyah was a tyrannical loan-shark practice of compounding debt enforced by killing, torture and enslavement. Mufti Abu Layth describes the riba of the jahiliyyah as a tyrannical loan-shark practice in which compounding demands on a debtor who could not repay could end in killing, torture and the enslavement of his family.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 5:31)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on history/pre-islamic-arabia exists&lt;/b&gt; (26 April 2021): &lt;a href="https://muftiabulayth.org/r/oyiipehuiha/s/14/"&gt;Did everyone at the time of the Prophet accept Islam without questions?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=372s"&gt;Watch on YouTube at 6:12&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/3/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Why does Mufti Abu Layth say riba has become a symbol rather than something people understand?</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/2/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/2/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <category>society/islam-and-modernity</category>
      <description>&lt;p&gt;&lt;b&gt;Why does Mufti Abu Layth say riba has become a symbol rather than something people understand?&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Riba has become a symbol of Islam that many hold important without understanding it, because religion for many people is a matter of visible symbols. What people know is that Allah declared war on riba and destroys it while increasing charity. Mufti Abu Layth says that religion for many people is a matter of visible symbols, and that riba has become one such symbol of Islam, held to be incredibly important by people who may not understand what it is.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Kind: general teaching&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 2:04)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on society/islam-and-modernity exists&lt;/b&gt; (19 August 2022): &lt;a href="https://muftiabulayth.org/r/t0phqrnjjby/s/11/"&gt;Should all religions be free to compete without state backing?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=124s"&gt;Watch on YouTube at 2:04&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/2/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
    </item>
    <item>
      <title>Opening: riba as a complex, over-claimed and symbolic subject</title>
      <link>https://muftiabulayth.org/r/ucdrblygy70/s/1/</link>
      <guid isPermaLink="true">https://muftiabulayth.org/r/ucdrblygy70/s/1/</guid>
      <pubDate>Thu, 19 Oct 2017 00:00:00 +0000</pubDate>
      <category>fiqh/finance/riba-and-mortgages</category>
      <description>&lt;p&gt;&lt;b&gt;Opening: riba as a complex, over-claimed and symbolic subject&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;Riba is a complex but over-claimed subject that has become symbolic in Islam. Mufti Abu Layth asks viewers to bear with a detailed explanation.&lt;/p&gt;
&lt;p&gt;Answer from 19 October 2017 · auto-transcribed, may contain errors&lt;/p&gt;
&lt;p&gt;Recording: Are Mortgages &amp;amp; Bank Loans Haram? - Mufti Abu Layth (at 0:00)&lt;/p&gt;
&lt;p&gt;&lt;b&gt;A more recent answer on fiqh/finance/riba-and-mortgages exists&lt;/b&gt; (29 January 2021): &lt;a href="https://muftiabulayth.org/r/rtwywca2-pq/s/9/"&gt;Could a senior scholar ever publicly change his fatwa on mortgages?&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="https://www.youtube.com/watch?v=ucdrbLyGY70&amp;amp;t=0s"&gt;Watch on YouTube at 0:00&lt;/a&gt; · &lt;a href="https://muftiabulayth.org/r/ucdrblygy70/s/1/"&gt;Open the segment&lt;/a&gt;&lt;/p&gt;</description>
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