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- Ziyara 15
Is it permissible to take gifts and prizes from banks?
Yes, it is permissible, provided that it is not pursuant to the terms of a loan contract from a bank owned by Muslims. It is permissible to take them from a bank owned by non-Muslims even if it is pursuant to a loan contract from a bank.
Can I open a non-interest bank account, where monthly prize draws will also take place, based on the amount of money in the account?
If the contract of opening the bank account does not include this as a condition, then it is permissible to open it and claim the prize.
Does interest apply to all forms of profit, which are given/taken including banks and other institutions, or is it there nowadays merely given as a "cost of living increase" and "inflation"?
It is prohibited to deal with interest even if it is within the level of inflation.
I deposited money in governmental national savings bank in Pakistan, knowing it will give me twelve percent interest after ten years. How should I withdraw the money in His Eminence’s name, and how much should I give to the needy by your permission?
It is necessary when receiving the funds from such banks to intend to receive them on behalf of His Eminence, Grand Ayatollah Al-Hakeem (may Allah prolong his life), and to then take ownership of the funds after that, including the interest. You should then pay the financial religious obligations. Furthermore, it is better to use some of these funds given as interest to help needy believers.
Is it allowed to invest money in foreign banks?
Yes, it is permissible.
Is it permissible for me to work in banks?
It is permissible to work in banks, if one is not participating in any contract that involves interest, whether by becoming part of it – by representing the bank in lending for instance – or by writing the contract.
Is it permissible to invest money in government saving schemes and bonds which pay an interest to the investor? National saving schemes are those where the government borrows from ordinary citizens in exchange for a fixed return with interest.
It is permissible to collect the mentioned interest, but you should not intend the interest-based deal. However, any funds received from the bank should be taken on behalf of his Eminence and then one should take ownership of it after that. It is better to help the needy believers with some of the collected interest if all of it is not needed.
Muslims own a commercial bank. Is the interest credited by the bank to an individual’s savings account lawful?
If the interest is stipulated in the contract, then the contract is void and prohibited.
I purchased a saving certificate from a government saving center. Now it has matured. What is the ruling on using the interest earned? Can I used it completely?
One can benefit from such a deal but should not intend to make interest when making the purchase of the certificate, and then collect the interest on behalf of his Eminence, Sayyid al-Hakeem (may Allah prolong his life), then accepts its ownership. It is better to benefit the believers with some of the received interests.