[SPEAKER_01]: The next topic, and this came up quite repetitively, is the issue of mortgages.
[SPEAKER_00]: Well, I'd rather than say, the mortgages is not like student finance.
[SPEAKER_00]: Mortgages are not like student finance.
[SPEAKER_00]: I know that there is a feta out there, I think by the Islamic Council of Europe, something along the lines of that, and they put down something like, I believe if my memory serves me right, 10 conditions.
[SPEAKER_00]: I don't believe these 10 conditions apply here in the UK.
[SPEAKER_00]: It doesn't apply, guys.
[SPEAKER_00]: Suspanner, you see a lot of saying, oh, there's a feta out there.
[SPEAKER_00]: Tell you what are the conditions, it doesn't know.
[SPEAKER_00]: And he's already, what?
[SPEAKER_00]: Taking a mortgage.
[SPEAKER_00]: I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I didn't hear you, I
[SPEAKER_00]: Right?
[SPEAKER_00]: Ya ya l-Ladina m-taqullah wa-dharuma b-e-m-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-e-r-
[SPEAKER_00]: When the brother was driving me around in Sydney, I was absolutely amazed by the homes that Muslims own.
[SPEAKER_00]: I said, Allah Almighty, the Muslims are doing great here, now living in mansions, huge houses.
[SPEAKER_00]: I went into a couple of them and I was left astonished.
[SPEAKER_00]: You Muslims got money here, huh?
[SPEAKER_00]: I tell the people if you want money go to Australia.
[SPEAKER_00]: There's a lot of money there.
[SPEAKER_00]: And I clearly have, you know what the brother said to me?
[SPEAKER_00]: They have lovely houses, right?
[SPEAKER_00]: You think from the apparent they are living wonderful lives up until the share gets a phone call.
[SPEAKER_00]: Up until the share gets a phone call and then you come to realize what is happening inside of this house.
[SPEAKER_00]: It's become a war zone inside of the house brothers and sisters.
[SPEAKER_00]: No Baracko whatsoever.
[SPEAKER_00]: I've never met a brother.
[SPEAKER_00]: Right?
[SPEAKER_00]: Who has a mortgage, but is at peace.
[SPEAKER_00]: I've never met somebody like that.
[SPEAKER_00]: Constant problems one after the other.
[SPEAKER_00]: Ask yourself the question, is a mortgage, a Darur, a necessity in my life?
[SPEAKER_00]: Or is it because I want a more comfortable life?
[SPEAKER_00]: Darur, or my brother's a macessal, which means less necessity.
[SPEAKER_00]: There's even a principle, a legal maximum, a Darur, to be a home, a Hadurat.
[SPEAKER_00]: The necessities it makes the haram permissible.
[SPEAKER_00]: For example, now your life is on the line, or maybe your body part is going to fall off.
[SPEAKER_00]: Is that the case with anyone here, brother, and sisters?
[SPEAKER_00]: That if you don't get a mortgage that you're going to die or your body part is going to fall off, hand them at Nandarora.
[SPEAKER_00]: So, this is not a card that we can use rather than a lot of us.
[SPEAKER_00]: We take these mortgages because we want them more comfortable life.
[SPEAKER_00]: Even though you have other alternatives.
[SPEAKER_00]: I'll give you guys a very good alternatives.
[SPEAKER_00]: Mashallah, the Somali is in Lesta.
[SPEAKER_00]: They rinsed it out.
[SPEAKER_00]: Right?
[SPEAKER_00]: The Somali is in Lesta.
[SPEAKER_00]: They rinsed it out.
[SPEAKER_00]: They would get council flats or council houses.
[SPEAKER_00]: Imagine how many of the Somali's over there they started buying houses.
[SPEAKER_00]: Two bedrooms, three bedroom, even though on the market is something like 150,000 pounds, they end up buying it for 20,000 pounds.
[SPEAKER_00]: That probably sounds extremely off-right, yes, brothers, sisters.
[SPEAKER_00]: Or maybe 25,000, just say 30,000 pounds.
[SPEAKER_00]: Two bedroom, three bedroom.
[SPEAKER_00]: Because they lived in there for maybe over 20 years.
[SPEAKER_00]: And with the whole, was the scheme code, was the scheme code the right to buy none, the right to buy scheme.
[SPEAKER_00]: The more longer you live in these houses, the more cheaper it becomes, the more cheaper it becomes.
[SPEAKER_00]: So they both bought their houses.
[SPEAKER_00]: Well, a lot of them have.
[SPEAKER_00]: They do the hug but they are your top.
[SPEAKER_00]: And they eventually end up buying the house.
[SPEAKER_00]: Also my brothers and my sisters,
[SPEAKER_00]: Right, just having a rented house.
[SPEAKER_00]: Just having a rented house, huh?
[SPEAKER_00]: Why can't I just rent?
[SPEAKER_00]: Are you ready now, but then sister, to give up not just your ahra, but likewise your peace in this dunya for some lovely house that you really badly want.
[SPEAKER_00]: Al-A'ala.
[SPEAKER_01]: Al-Kalovika, I just think just a quick correction.
[SPEAKER_01]: It's not the Islamic Council of Europe.
[SPEAKER_01]: It's the European Council for Fatwa and Research.
[SPEAKER_01]: Some of the two separate entities, Islamic Council of Europe is based on London, with some of the Masha'ikh involved in it.
[SPEAKER_01]: We have, and it comes as a common question, as a follow-up to the issue of mortgages, people say, we're about the necessity, the fact that if I am renting, I'm paying up to half the rent, half my salary rent.
[SPEAKER_01]: I might not just be in wasteful and throwing money away, while I could maybe use it as a mortgage and eventually own that house.
[SPEAKER_00]: If rent is expensive, my brothers and my sisters move out.
[SPEAKER_00]: What was the principle?
[SPEAKER_00]: Huh, la hajit manjia, right?
[SPEAKER_00]: La hajit manjia, if you have a choice, then hallaz, there's no need.
[SPEAKER_00]: This is not a drawer of brothers and sisters.
[SPEAKER_00]: I've been told that in Bolton, the homes are a lot cheaper.
[SPEAKER_00]: Sahih, or some of the areas in great to Manchester is a lot cheaper than Manchester over here.
[SPEAKER_00]: It's maybe what a 20 minute drive, or 20 minutes a long, huh?
[SPEAKER_00]: And people in London, they travel 40 minutes to work every day in Baxa, Hanallah.
[SPEAKER_00]: It's costing them petrol and they're still staying there working for the government.
[SPEAKER_00]: I call it working for the government because over there, your salary just goes out to expenses.
[SPEAKER_00]: I don't even understand how people live in London.
[SPEAKER_00]: I tell them, make hatred to Lester Sharif.
[SPEAKER_00]: So one of the full plays much, I heard that I then, three times a day, from the 15th floor.
[SPEAKER_00]: You move out to some of the areas outside of Manchester and you can drive in and out.
[SPEAKER_00]: It's a lot cheaper.
[SPEAKER_00]: I've been told that the houses are much cheaper as well if you want to buy it.
[SPEAKER_00]: So there are alternatives.
[SPEAKER_00]: Unless you're dying brothers and sisters or your body parts are going to get chopped off.
[SPEAKER_00]: In that case, there might be a way out for you.
[SPEAKER_00]: Honestly, there are so many alternatives, my brothers and my sisters, so many alternatives, right?
[SPEAKER_00]: Move to the list, guys.
[SPEAKER_00]: I'm more than happy to welcome you.
[SPEAKER_00]: Counts on flats over there, or counts on houses, are something like 400, 500 pounds.
[SPEAKER_00]: But don't even come that far.
[SPEAKER_00]: You've got a lot of neighboring areas to Manchester, but you just have to drive a little bit more.
[SPEAKER_00]: Is that good?
[SPEAKER_01]: Just moving over to a different topic and again, a popular one is marriage.