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Taking loans from usurious banks

Q 1: I am enlisted in the National Guards of the Armed Forces and I receive my salary via Al-Rajhi Banking Corporation. Is it permissible for me to transfer my salary to one of the other banks which give interest-based loans? This is because when I take a certain sum as a loan from one of these banks, 100, 000 SR for instance, the bank gives me this sum on condition that I transfer my salary to this bank and it then deducts a monthly sum from my salary until the loan is paid off. However, the total sum which I will return to the bank is not 100,000SR, but (Part No. 11; Page No. 105) an interest is added to it, i.e. It becomes 110,000 SR.Is this transaction permissible? Please give me a Fatwa (legal opinion issued by a qualified Muslim scholar), may Allah safeguard you and guide you to that which is good. As-salamu `alaykum warahmatullah wabarakatuh (May Allah's Peace, Mercy, and Blessings be upon you.)


A: It is obvious that this transaction is among the forms of Riba (usury) which are prohibited by the Qur'an, Sunnah (acts, sayings or approvals of the Prophet) and Ijma` (consensus of scholars) and therefore it is impermissible to deal in it. You must not get involved in any dealings involving Riba and you must also be cautious of what Allah has prohibited out of obedience to Allah and His Messenger (peace be upon him).May Allah grant us success and may Allah's Peace and Blessings be upon our Prophet, his family and Companions.


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