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Mujtahid Name Aayat-ul-Allah Seestani 
Question Assalam-u-Alikum, Hum log pichlay 20 yrs say try kur rahay hain kay ghar khareed lain apna. Magar pesa juma nahi ho pata. Aur agar hota hai tau us waqt qeemat usee ghar ki bhar jati hai. Yai silsila kafi arsay say chal raha hai. Hum nay andaza lugaya hai kay hum bank loan par ghar khareed suktay hain aur phir loan ada kur suktay hain. Please Agha Sistani kay point of view say jawab dain. Jazzak Allah. 
Answer Private ya government ya sami- government bank say is shart per qraza laina keh qarz li gae raqam say ziyada ada kia jaey ga, tu ye sood or haram hay.Laikin agar koe shaks private bank se sood ada kerne ki shart k sath qarz le le tu qarza sahi hoga or is raqam ko istemaal kerna halal hoga or shart batil hogi or shart pora kerne k liay sood daina or laina haram hoga.or agar government bank ya sami-government bank say koe qarza le tu sood se bachne k liay wo shaks ye kare k dil main mujtahid se qarz lene ki niyat kare or is qarze per sood ada kerne ki niyat nah kare agarcha os ko maloom ho k government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is terah qarza lena jaiz hay. (Ref: Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 35,Mafhoom e Maslah #1,2,7). 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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