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Will it be still compulsory to clear my loan as per Islamic law.


I have taken loan from a bank in Kuwait and asked them to make the installments for 24 months which the bank didn’t accept and changed it to 48 months which was a burden for me. I was paying off my monthly installments without any due for the past 10 months. But because of this Corona (COVID 19) I have been in lockdown for the past 3 months. In case if I lose my job and will be difficult conditions without any money left and to find another job in this pandemic crisis situation.
– Will it be still compulsory to clear my loan as per Islamic law.
– If I return back to my country without clearing the loan, and start to get back to financial stability may be after an year or two, can I give the same amount of unpaid loan to any Islamic orphanage or any poor girls marriage or construction of any mosque. Because the banks won’t accept the refund after 1 or 2 years and the interest rates will b very high.
Please advise.


Salamun Alaykum

Thank you for your query.

When one takes the loan, he signs and according to the contract he has to pay back which is the rule and regulation all over the world. As, it is a contract where you have to pay back the amount, so it is necessary to pay back unless you get permission from the lender or he remits and doesn’t want the money anymore. A person shouldn’t run away from paying back to the lender as if we are in debt in this world and don’t return, there will be punishment in the Hereafter.

Your responsibility is to pay the amount back to the bank and paying for the orphanage will not clear your burden in the Hereafter.

You can speak to the bank department and check their policy, if they allow or increase the time then you can pay them in more installments.

May Allah(swt) grant you success


Syed Haider