Selling dirhams for dirhams

Q: I have a building which needs some final finishing and furnishing. Recently, a firm has offered to complete this work with certain specifications for a set amount of money. I question if it is permissible for me to ask Al Rajihi Bank to finish the building with the same specifications and to pay the required funds on credit? Is it permissible for me to direct Al-Rajhi Company to the previous firm that offered to complete the work? Give us your Fatwa. May Allah reward you .

A: If Al Rajhi Company or any other company will be financially responsible for finishing the construction work of the building on terms of Al Qard Al-Hasan (interest free loan) with the intention of helping you with the building expenses, then you repay the loan without additional interest, there is nothing wrong with that. However, if the company asks you to pay more than what it paid to the company responsible for finishing the construction work, this is a outright Riba (usury/interest) and Haram (prohibited) for both (Part No. 13; Page No. 327) you and the company itself, because The Messenger of Allah (peace be upon him) cursed the devourer (taker) of Riba (usury/interest), its payer, its scribe and its two witnesses. He said, “They are all equal.” Related by Muslim in his Sahih. May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.