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Kaafir bank se sood (riba) ada karne ki shart par loan lena haram hai aur haram kaam se bachne k liay ye kar sakte hain k raqam ko kaafir bank se qarz ki niyat k baghair lain nah k loan ki niyat se agarchah jaante hoon k kaafir bank asal maal aur sood(riba) dono wosool karay ga. (Ref:Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #8, page#437).
2)Qarz ki asal raqam per khums wajib nahi hota Q k os raqam k aap malik hi nahi hotay. Agar ye bank private ho tu saal ki amadani (income) se jitni raqam bank ko wapas kerdi ho or qarze ki asal miqdaar aap k saal k akhrajaat main istemaal nah hoe ho tu otni miqdaar ka khums nikaalna wajib hoga. (Ref: Mujtahid se pochay gay sawalaat,part#1, sawaal#108)
3) Ayatullah Sistani(d.b) k Karachi main bohot se vakeel maujood hain.jin main se aik Maulana Ali Raza Mehdavi hain.or Madrasa Quran o Itrat Academy k principal bhi hain.or in ka contact number 021-32226948, 021-32237207 hay.(Ref:www.qoitrat.org). Addres: 365/1, pire street , garden east karachi Pakistan. Update on dated 03-04-2015. (Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey).
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