FatwaFederal TerritoriesTransactions & Finance
AL-KAFI #1325: ADAKAH HUTANG BANK MENYEBABKAN ROH DAN AMALAN AKAN TERGANTUNG?
Will a person's soul and deeds remain suspended if they die without settling a bank loan for a house, car or personal financing?
Short answer
Bank debt is treated like any other debt: it must be repaid, and the severe warnings in the hadith against deliberately refusing to pay debts also apply to it.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Al-Kafi li al-Fatawi
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Bank debt is treated like any other debt: it must be repaid, and the severe warnings in the hadith against deliberately refusing to pay debts also apply to it. The hadith states that a believer's soul is held in suspension by their debt until it is settled. The fatwa encourages efforts to ensure repayment, such as taking a takaful plan, and notes that the debt may be deferred to a later time if there are constraints.
Written in our own words from the original fatwa — check the source before acting on it.
Oleh itu, hutang pinjaman bank juga termasuk di dalam hutang yang wajib dibayar dan diancam dengan ancaman yang berat di dalam hadith sekiranya sengaja tidak mahu membayarnya.
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “AL-KAFI #1325: ADAKAH HUTANG BANK MENYEBABKAN ROH DAN AMALAN AKAN TERGANTUNG?”, 12 July 2019. https://muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/3568-al-kafi-1325-adakah-hutang-bank-menyebabkan-roh-dan-amalan-akan-tergantung. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/does-bank-debt-leave-soul-suspended/