FatwaPenangEndowment (Waqf) & Religious Property
PANDANGAN DAN ULASAN MENGENAI PENYELESAIAN PINJAMAN RUMAH DI ATAS LOT 1009 DAN 1012 MUKIM 9 UNTUK DIWAKAFKAN KEPADA MASJID BAGAN AJAM, BUTTERWORTH.
Can a house that still has an outstanding bank loan be endowed as waqf to a mosque?
Short answer
A house still under a bank loan is not yet fully owned by the endower, so it cannot yet be designated as waqf for the mosque.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Penang State Mufti Department
- Date
- Status
- Fatwa committee decision
- Series
- Keputusan Fatwa Negeri Pulau Pinang (e-Fatwa)
- Topic
- Endowment (Waqf) & Religious Property
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
A house still under a bank loan is not yet fully owned by the endower, so it cannot yet be designated as waqf for the mosque. Islamic law does not permit waqf of something that does not yet exist or is not fully owned. The fatwa recommends that the endower or his representatives first settle the debt, after which the waqf may be declared to the mosque. This is reasoned by analogy with the waqf of an unspecified slave or horse, which is invalid.
Written in our own words from the original fatwa — check the source before acting on it.
RUMAH TERSEBUT TIDAK BOLEH LAGI DINAMAKAN SEBAGAI WAKAF UNTUK MASJID ITU KERANA BELUM DIMILIKI DENGAN SEMPURNA OLEH SI WAKIF ITU.
Read the full fatwa on the Penang website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Penang State Mufti Department. “PANDANGAN DAN ULASAN MENGENAI PENYELESAIAN PINJAMAN RUMAH DI ATAS LOT 1009 DAN 1012 MUKIM 9 UNTUK DIWAKAFKAN KEPADA MASJID BAGAN AJAM, BUTTERWORTH.”, 1 August 1994. http://efatwa.penang.gov.my/fatwa_details.php?fatwaid=1196. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/waqf-of-house-with-bank-loan-mosque/