The Ruling on performing Hajj by taking a Loan

Question

I want to perform Hajj to the Sacred House of Allah, but I do not have what will suffice me for that. The place where I work agreed to give me a loan to cover the expenses of the Hajj which is to be repaid by deductions from my salary afterwards. Is this acceptable?

Answer

It is acceptable that you do this. If you perform Hajj with money that you borrowed, indeed it is accepted. However, it is better and more appropriate that you do not do this, because Allah has only made Hajj obligatory on whoever is able to find a way thereto, and right now you are not able to do that.

You should not take out a loan. For you do not know – maybe you will take out a loan, and the debt will remain under your responsibility, and then you will not be able to repay it afterwards. You may become ill or you may not be able to get a job in the field that you work in or you may die. Therefore, you should not take a loan. Whenever Allah gives you wealth you and you are able to get some wealth with which you can perform Hajj, then do so. If not, then do not take the loan.



Shaikh Ibn Baz (Rahimahullah)

Reference: Fatawa Islamiyah Volume 4 Page 63