Q 2: On the advent of the month of Dhul-Hijjah, I was looking forward to visiting
Allah's Sacred House,
but there was still a week remaining until I would receive my salary, and I only had enough to cover my needs until the end of the month. My colleagues at work insisted that I should go with them for no one knows when a person will die. One of them gave me a sum of money that covered all the costs of Hajj, and when I told him that it was not permissible to borrow money to offer Hajj, he replied that in a case where the lenders permit and agree to lend money, then it is permissible, and this was exactly our case. Therefore, I went to Hajj, and right after I returned, I gave him his money in the middle of the same month of Hajj, as I receive my salary every month according to the Gregorian calendar. As mentioned, the money which I took was by the full consent of the owner and (Part No. 11; Page No. 42) his good will for me, may Allah reward you with the best reward.
Your Hajj is valid Insha'a Allah (If Allah wills), and borrowing the money does not affect the validity of Hajj.May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.