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Mujtahid Name Aayat-ul-Allah Seestani 
Question Asslam-o-alikum, With All the blessings of Allah! i am living in rented house and can not afford to buy a house on my own. is it allowed to buy a house thru bank loan in which property will remain in the name of bank till i complete all payments due in account of loan? Please also suggest permissible way to get the home thru bank loan. Dua and Regards 
Answer Kisi shaks se ya private ya government ya sami- government bank say is shart per qarza 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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