Islami e ka ndaluar rrept\u00ebsisht \u00e7do hua mbi t\u00eb cil\u00ebn merret ose jepet kamat\u00eb. Si\u00e7 thuhet:<\/p>\n
\u06cc\u064e\u0627\u0627\u064e\u06cc\u064f\u0651\u06be\u064e\u0627 \u0627\u0644\u064e\u0651\u0630\u0650\u06cc\u0652\u0646\u064e \u0622\u0645\u064e\u0646\u064f\u0648\u0652\u0627 \u0627\u062a\u064e\u0651\u0642\u064f\u0648\u0627 \u0627\u0644\u0644\u0651\u0670\u06c1\u064e \u0648\u064e\u0630\u064e\u0631\u064f\u0648\u0652\u0627\u0645\u064e\u0627\u0628\u064e\u0642\u0650\u06cc\u064e \u0645\u0650\u0646\u064e \u0627\u0644\u0631\u0650\u0651\u0628\u064e\u0627 \u0627\u0650\u0646\u0652 \u06a9\u064f\u0646\u0652\u062a\u064f\u0645\u0652 \u0645\u064f\u0624\u0652\u0645\u0650\u0646\u0650\u06cc\u0652\u0646\u064e \u0641\u064e\u0627\u0650\u0646\u0652 \u0644\u064e\u0645\u0652 \u062a\u064e\u0641\u0652\u0639\u064e\u0644\u064f\u0648\u0652\u0627 \u0641\u064e\u0623\u0652\u0630\u064e\u0646\u064f\u0648\u0652\u0627 \u0628\u0650\u062d\u064e\u0631\u0652\u0628\u064d \u0645\u0650\u0646\u064e \u0627\u0644\u0644\u0651\u0670\u06c1\u0650 \u0648\u064e \u0631\u064e\u0633\u064f\u0648\u0652\u0644\u0650\u06c1\u0650<\/p>\n
O ju q\u00eb besuat! Druajuni Allahut dhe l\u00ebreni at\u00eb q\u00eb mbetet nga kamata n\u00ebse jeni (v\u00ebrtet) besimtar\u00eb! E n\u00ebse nuk e b\u00ebni k\u00ebt\u00eb, pranojeni shpalljen p\u00ebr luft\u00eb me Allahun dhe t\u00eb D\u00ebrguarin e Tij. (Kurani i Shenjt\u00eb 2:279\u2013280)<\/p><\/blockquote>\n
Prandaj, \u00e7do shitblerje apo transaksion financiar q\u00eb p\u00ebrzihet me kamat\u00eb \u00ebsht\u00eb, n\u00eb \u00e7do rast, i ndaluar [haram]. Megjithat\u00eb, n\u00ebse nj\u00eb hua \u00ebsht\u00eb e disponueshme pa kamat\u00eb, at\u00ebher\u00eb nuk ka asnj\u00eb d\u00ebm n\u00eb blerjen e nj\u00eb sht\u00ebpie ose zhvillimin e biznesit me nj\u00eb hua t\u00eb till\u00eb.<\/p>\n
N\u00ebse pyetja ka t\u00eb b\u00ebj\u00eb me blerjen e nj\u00eb sht\u00ebpie p\u00ebrmes sistemit t\u00eb hipotek\u00ebs q\u00eb \u00ebsht\u00eb i p\u00ebrhapur n\u00eb vendet per\u00ebndimore, at\u00ebher\u00eb n\u00eb k\u00ebt\u00eb metod\u00eb zakonisht merret nj\u00eb hua nga banka ose nj\u00eb institucion financiar. Derisa kjo hua t\u00eb shlyhet plot\u00ebsisht, sht\u00ebpia mbetet pron\u00eb e bank\u00ebs ose e institucionit financiar. Banka gjithashtu k\u00ebrkon nj\u00eb shum\u00eb shtes\u00eb mbi k\u00ebt\u00eb hua, p\u00ebr t\u00eb cil\u00ebn thon\u00eb se \u00ebsht\u00eb p\u00ebr shkak t\u00eb zhvler\u00ebsimit t\u00eb paras\u00eb.<\/p>\n
Duke qen\u00eb se n\u00eb k\u00ebto vende jo \u00e7do person mund t\u00eb blej\u00eb leht\u00ebsisht nj\u00eb sht\u00ebpi, qoft\u00eb edhe p\u00ebr banim personal, ata ose duhet t\u00eb jetojn\u00eb gjat\u00eb gjith\u00eb jet\u00ebs n\u00eb nj\u00eb sht\u00ebpi me qira, nga e cila nuk p\u00ebrfitojn\u00eb asgj\u00eb tjet\u00ebr p\u00ebrve\u00e7 banimit, sepse megjith\u00ebse paguajn\u00eb nj\u00eb shum\u00eb t\u00eb madhe qiraje gjat\u00eb jet\u00ebs, ajo sht\u00ebpi nuk b\u00ebhet kurr\u00eb pron\u00eb e tyre; n\u00eb k\u00ebto rrethana domosdoshm\u00ebrie, mund p\u00ebrfitojn\u00eb nga mund\u00ebsia e hipotek\u00ebs p\u00ebr t\u00eb bler\u00eb nj\u00eb sht\u00ebpi p\u00ebr banim. P\u00ebr k\u00ebt\u00eb, ata paguajn\u00eb k\u00ebste hipoteke, t\u00eb cilat jan\u00eb af\u00ebrsisht sa qiraja q\u00eb do t\u00eb paguanin. Por p\u00ebrfitimi \u00ebsht\u00eb se pas shlyerjes s\u00eb k\u00ebtyre k\u00ebsteve, sht\u00ebpia b\u00ebhet pron\u00eb e tyre.<\/p>\n
Prandaj, blerja e nj\u00eb sht\u00ebpie p\u00ebrmes hipotek\u00ebs konsiderohet nj\u00eb gjendje domosdoshm\u00ebrie dhe detyrimi [arab. \u201ciz\u2019tirar\u201d], nga e cila mund t\u00eb p\u00ebrfitohet vet\u00ebm n\u00eb mas\u00ebn e blerjes s\u00eb nj\u00eb sht\u00ebpie p\u00ebr banim personal. Mir\u00ebpo, p\u00ebrdorimi i k\u00ebsaj metode p\u00ebr t\u00eb bler\u00eb vazhdimisht sht\u00ebpi pas sht\u00ebpie si biznes nuk \u00ebsht\u00eb n\u00eb asnj\u00eb m\u00ebnyr\u00eb i sakt\u00eb dhe Xhemati jo vet\u00ebm q\u00eb nuk e inkurajon k\u00ebt\u00eb, por e ndalon at\u00eb.<\/p>\n","protected":false},"excerpt":{"rendered":"
Duke qen\u00eb se n\u00eb k\u00ebto vende jo \u00e7do person mund t\u00eb blej\u00eb leht\u00ebsisht nj\u00eb sht\u00ebpi, qoft\u00eb edhe p\u00ebr banim personal, ata ose duhet t\u00eb jetojn\u00eb gjat\u00eb gjith\u00eb jet\u00ebs n\u00eb nj\u00eb sht\u00ebpi me qira, …<\/p>\n","protected":false},"featured_media":19776,"parent":0,"template":"","tags":[],"faq_cat":[450,448],"authors":[458],"content_source":[555],"class_list":["post-19774","faqs","type-faqs","status-publish","has-post-thumbnail","hentry","topics-islami-dhe-ekonomia","topics-fikhu-jurisprudenca","faq_cat-pyetje-rreth-fikhut","faq_cat-pyetje-te-shpeshta-faq","authors-hazret-mirza-masrur-ahmed","content_source-alhakam"],"acf":[],"yoast_head":"\n
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