WEBVTT 00:00.031 --> 00:06.903 [SPEAKER_01]: The next topic, and this came up quite repetitively, is the issue of mortgages. 00:12.313 --> 00:14.637 [SPEAKER_00]: Well, I'd rather than say, the mortgages is not like student finance. 00:17.262 --> 00:20.588 [SPEAKER_00]: Mortgages are not like student finance. 00:21.158 --> 00:32.853 [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. 00:33.955 --> 00:38.741 [SPEAKER_00]: I don't believe these 10 conditions apply here in the UK. 00:38.761 --> 00:39.542 [SPEAKER_00]: It doesn't apply, guys. 00:42.346 --> 00:44.689 [SPEAKER_00]: Suspanner, you see a lot of saying, oh, there's a feta out there. 00:44.789 --> 00:46.371 [SPEAKER_00]: Tell you what are the conditions, it doesn't know. 00:46.732 --> 00:47.432 [SPEAKER_00]: And he's already, what? 00:47.673 --> 00:48.634 [SPEAKER_00]: Taking a mortgage. 00:49.863 --> 01:09.508 [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 01:10.332 --> 01:10.592 [SPEAKER_00]: Right? 01:11.213 --> 01:32.239 [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- 01:32.641 --> 01:40.393 [SPEAKER_00]: When the brother was driving me around in Sydney, I was absolutely amazed by the homes that Muslims own. 01:40.513 --> 01:45.901 [SPEAKER_00]: I said, Allah Almighty, the Muslims are doing great here, now living in mansions, huge houses. 01:45.982 --> 01:49.587 [SPEAKER_00]: I went into a couple of them and I was left astonished. 01:49.607 --> 01:51.410 [SPEAKER_00]: You Muslims got money here, huh? 01:52.311 --> 01:54.314 [SPEAKER_00]: I tell the people if you want money go to Australia. 01:54.354 --> 01:55.176 [SPEAKER_00]: There's a lot of money there. 01:56.057 --> 01:57.940 [SPEAKER_00]: And I clearly have, you know what the brother said to me? 01:59.287 --> 02:00.970 [SPEAKER_00]: They have lovely houses, right? 02:01.691 --> 02:07.941 [SPEAKER_00]: You think from the apparent they are living wonderful lives up until the share gets a phone call. 02:09.343 --> 02:14.752 [SPEAKER_00]: Up until the share gets a phone call and then you come to realize what is happening inside of this house. 02:16.795 --> 02:19.299 [SPEAKER_00]: It's become a war zone inside of the house brothers and sisters. 02:19.800 --> 02:21.022 [SPEAKER_00]: No Baracko whatsoever. 02:22.043 --> 02:25.108 [SPEAKER_00]: I've never met a brother. 02:25.274 --> 02:25.614 [SPEAKER_00]: Right? 02:26.135 --> 02:28.298 [SPEAKER_00]: Who has a mortgage, but is at peace. 02:28.638 --> 02:29.699 [SPEAKER_00]: I've never met somebody like that. 02:30.861 --> 02:32.683 [SPEAKER_00]: Constant problems one after the other. 02:35.286 --> 02:39.791 [SPEAKER_00]: Ask yourself the question, is a mortgage, a Darur, a necessity in my life? 02:40.172 --> 02:42.595 [SPEAKER_00]: Or is it because I want a more comfortable life? 02:44.737 --> 02:48.401 [SPEAKER_00]: Darur, or my brother's a macessal, which means less necessity. 02:49.603 --> 02:53.087 [SPEAKER_00]: There's even a principle, a legal maximum, a Darur, to be a home, a Hadurat. 02:53.202 --> 02:56.447 [SPEAKER_00]: The necessities it makes the haram permissible. 02:57.769 --> 03:03.418 [SPEAKER_00]: For example, now your life is on the line, or maybe your body part is going to fall off. 03:04.800 --> 03:06.523 [SPEAKER_00]: Is that the case with anyone here, brother, and sisters? 03:07.985 --> 03:13.354 [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. 03:14.245 --> 03:18.189 [SPEAKER_00]: So, this is not a card that we can use rather than a lot of us. 03:18.209 --> 03:21.772 [SPEAKER_00]: We take these mortgages because we want them more comfortable life. 03:22.473 --> 03:23.974 [SPEAKER_00]: Even though you have other alternatives. 03:23.994 --> 03:25.315 [SPEAKER_00]: I'll give you guys a very good alternatives. 03:25.916 --> 03:27.557 [SPEAKER_00]: Mashallah, the Somali is in Lesta. 03:27.858 --> 03:28.759 [SPEAKER_00]: They rinsed it out. 03:30.140 --> 03:30.360 [SPEAKER_00]: Right? 03:32.022 --> 03:33.123 [SPEAKER_00]: The Somali is in Lesta. 03:33.163 --> 03:33.923 [SPEAKER_00]: They rinsed it out. 03:35.345 --> 03:43.172 [SPEAKER_00]: They would get council flats or council houses. 03:44.958 --> 03:49.022 [SPEAKER_00]: Imagine how many of the Somali's over there they started buying houses. 03:50.724 --> 03:57.530 [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. 04:00.273 --> 04:03.396 [SPEAKER_00]: That probably sounds extremely off-right, yes, brothers, sisters. 04:04.377 --> 04:06.679 [SPEAKER_00]: Or maybe 25,000, just say 30,000 pounds. 04:07.620 --> 04:08.901 [SPEAKER_00]: Two bedroom, three bedroom. 04:10.282 --> 04:13.125 [SPEAKER_00]: Because they lived in there for maybe over 20 years. 04:14.540 --> 04:22.690 [SPEAKER_00]: And with the whole, was the scheme code, was the scheme code the right to buy none, the right to buy scheme. 04:23.671 --> 04:29.998 [SPEAKER_00]: The more longer you live in these houses, the more cheaper it becomes, the more cheaper it becomes. 04:30.799 --> 04:31.820 [SPEAKER_00]: So they both bought their houses. 04:32.281 --> 04:33.002 [SPEAKER_00]: Well, a lot of them have. 04:33.663 --> 04:35.925 [SPEAKER_00]: They do the hug but they are your top. 04:36.286 --> 04:38.388 [SPEAKER_00]: And they eventually end up buying the house. 04:39.449 --> 04:41.712 [SPEAKER_00]: Also my brothers and my sisters, 04:42.772 --> 04:44.776 [SPEAKER_00]: Right, just having a rented house. 04:45.558 --> 04:50.708 [SPEAKER_00]: Just having a rented house, huh? 04:50.728 --> 04:51.490 [SPEAKER_00]: Why can't I just rent? 04:54.255 --> 05:04.476 [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. 05:05.941 --> 05:07.304 [SPEAKER_00]: Al-A'ala. 05:08.146 --> 05:10.270 [SPEAKER_01]: Al-Kalovika, I just think just a quick correction. 05:10.871 --> 05:12.555 [SPEAKER_01]: It's not the Islamic Council of Europe. 05:13.396 --> 05:16.944 [SPEAKER_01]: It's the European Council for Fatwa and Research. 05:16.964 --> 05:24.760 [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. 05:24.740 --> 05:36.753 [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. 05:37.274 --> 05:45.162 [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. 05:48.286 --> 05:54.072 [SPEAKER_00]: If rent is expensive, my brothers and my sisters move out. 05:56.195 --> 05:56.956 [SPEAKER_00]: What was the principle? 05:57.817 --> 05:59.159 [SPEAKER_00]: Huh, la hajit manjia, right? 06:00.601 --> 06:05.367 [SPEAKER_00]: La hajit manjia, if you have a choice, then hallaz, there's no need. 06:06.448 --> 06:08.090 [SPEAKER_00]: This is not a drawer of brothers and sisters. 06:09.672 --> 06:12.596 [SPEAKER_00]: I've been told that in Bolton, the homes are a lot cheaper. 06:12.656 --> 06:18.624 [SPEAKER_00]: Sahih, or some of the areas in great to Manchester is a lot cheaper than Manchester over here. 06:19.004 --> 06:21.848 [SPEAKER_00]: It's maybe what a 20 minute drive, or 20 minutes a long, huh? 06:22.891 --> 06:28.158 [SPEAKER_00]: And people in London, they travel 40 minutes to work every day in Baxa, Hanallah. 06:29.139 --> 06:32.163 [SPEAKER_00]: It's costing them petrol and they're still staying there working for the government. 06:32.203 --> 06:37.129 [SPEAKER_00]: I call it working for the government because over there, your salary just goes out to expenses. 06:37.149 --> 06:38.731 [SPEAKER_00]: I don't even understand how people live in London. 06:39.713 --> 06:41.375 [SPEAKER_00]: I tell them, make hatred to Lester Sharif. 06:43.938 --> 06:51.548 [SPEAKER_00]: So one of the full plays much, I heard that I then, three times a day, from the 15th floor. 06:52.557 --> 06:58.246 [SPEAKER_00]: You move out to some of the areas outside of Manchester and you can drive in and out. 06:59.849 --> 07:02.152 [SPEAKER_00]: It's a lot cheaper. 07:02.172 --> 07:06.399 [SPEAKER_00]: I've been told that the houses are much cheaper as well if you want to buy it. 07:09.564 --> 07:10.746 [SPEAKER_00]: So there are alternatives. 07:11.628 --> 07:15.774 [SPEAKER_00]: Unless you're dying brothers and sisters or your body parts are going to get chopped off. 07:16.676 --> 07:19.881 [SPEAKER_00]: In that case, there might be a way out for you. 07:20.401 --> 07:26.268 [SPEAKER_00]: Honestly, there are so many alternatives, my brothers and my sisters, so many alternatives, right? 07:26.308 --> 07:27.109 [SPEAKER_00]: Move to the list, guys. 07:27.369 --> 07:29.191 [SPEAKER_00]: I'm more than happy to welcome you. 07:30.153 --> 07:35.459 [SPEAKER_00]: Counts on flats over there, or counts on houses, are something like 400, 500 pounds. 07:36.540 --> 07:37.642 [SPEAKER_00]: But don't even come that far. 07:37.662 --> 07:42.608 [SPEAKER_00]: You've got a lot of neighboring areas to Manchester, but you just have to drive a little bit more. 07:45.831 --> 07:46.392 [SPEAKER_00]: Is that good? 07:46.895 --> 07:51.606 [SPEAKER_01]: Just moving over to a different topic and again, a popular one is marriage.