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Paying The Interest Due On An Overdraft Facility On Behalf Of A Deceased

Question

A person has passed on. Whilst he was alive he had an overdraft facility in the bank and he used to pay interest. Now he has passed on. Do the heirs still need to pay the overdraft interest amounts  that’s owed to the bank?

Answer

An overdraft facility is another name for an interest-based loan. All types of interest-based loans are impermissible in Shari’ah and fall within the ambit of the Hadith wherein “Nabi (Sallahu ‘Alayhi Wa Sallam) cursed the one who consumes interest, the one who gives interest, the two witnesses who are witness to the transaction of interest, and the one who pens down the interest transaction.”

As such, the Shar’i law is that it will not be permissible to pay the interest amount which is owed to the bank on behalf of the deceased. However, if one is forced by the bank to pay the amount, this amount will have to be settled from the deceased’s estate as it was a debt incurred by him. If the funds/assets in the estate are not sufficient to settle this debt, then, out of necessity, the heirs will be allowed to pay the money to the bank from their own funds. However, they should do this with a heavy heart while at the same time, seeking forgiveness for themselves and on behalf of the deceased as well.

Checked and Approved By:

Mufti Muhammed Saeed Motara Saheb D.B.

References

حدثنا قتيبة قال: حدثنا أبو عوانة، عن سماك بن حرب، عن عبد الرحمن بن عبد الله بن مسعود، عن ابن مسعود قال: «لعن رسول الله صلى الله عليه وسلم آكل الربا، وموكله، وشاهديه، وكاتبه». وفي الباب عن عمر، وعلي، وجابر، وأبي جحيفة. حديث عبد الله حديث حسن صحيح. [سنن الترمذي: 3/ 504 (1206)]

(كل قرض جر نفعا حرام) أي إذا كان مشروطا. [الدر المختار ورد المحتار: 5/ 166]

سودی قرض لینا کیسا ہے؟

سوال (72): کیا فرماتے ہیں علماء دین ومفتیانِ شرع متین مسئلہ ذیل کے بارے میں کہ: سودی قرض لینا کیسا ہے؟

الجواب وباللہ التوفیق: سودی قرض کا لین دین جائز نہیں ہے۔ (عزیز الفتاوی 648) [کتاب النوازل:  11/305]

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