FatwaFederal TerritoriesTransactions & Finance
AL-KAFI #465 : HUKUM SEWA BELI PENAPIS AIR
Is a water purifier rent-to-own package with different cash and instalment prices considered riba, and is it valid in Islamic law?
Short answer
The ruling depends on the structure of the contract. If the cash and instalment prices are stated within a single contract utterance, the contract is forbidden and void.
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
The ruling depends on the structure of the contract. If the cash and instalment prices are stated within a single contract utterance, the contract is forbidden and void. If the two prices are offered in two separate contract utterances and the buyer chooses one, the contract is permissible and valid. A rent-to-own arrangement must also be made in two separate contracts, and may follow the al-Ijarah thumma al-Bay' (AITAB) concept, while combining both in one contract is forbidden and void.
Written in our own words from the original fatwa — check the source before acting on it.
Kontrak ini diharamkan Syarak dan dianggap terbatal kerana harga tidak ditentukan dalam suatu lafaz yang sama.
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 #465 : HUKUM SEWA BELI PENAPIS AIR”, 23 November 2016. https://muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/1837-al-kafi-465-hukum-sewa-beli-penapis-air. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-water-purifier-rent-to-own-riba/