Cash and Credit Sale
Shortened Question:
Is it permissible to sell products at different prices based on cash and credit sale?
Question:
Can the price of a product be different from customer to customer, for example, can the price for cash purchase and credit purchase be different?
Answer:
In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
It is permissible to sell a product at a different price based on whether the product is purchased on cash or on credit on condition the deferred price is agreed upon at the time of contracting the sale[1].
For example, it is permissible for the seller to stipulate that if the buyer purchases a vehicle on cash then the cost will be R30000; however, if the same vehicle is purchased as a deferred payment on instalments, then the cost will be R35000. The final purchase price must be specified when concluding the deal.
And Allah Ta’āla Knows Best
Hanif Yusuf Patel
Student Darul Iftaa
UK
Checked and Approved by,
Mufti Ebrahim Desai.
References
[1] أما إذا كان البيع بطريق المرابحة وقد صرح فيه البائع بزيادة في الثمن من أجل الأجل وقد أففتى المتأخرون من الحنفية ...
ويجوز للمشترى ان يزيد للبائع فى الثمن ويجوز للبائع ان يزيد للمشترى فى المبيع ويجوز ان يحط عن الثمن ويتعلق الاستحقاق بجميع ذلك
[Al-Hidayah, 3:80, Maktabah Rahmaniyyah, Lahore]
ويجوز ان يحطّ من الثمن
[Al-Mukhtasar li al-Qadoori, p.83, Qadimi Kutub Khana, Karachi]
لأن للأجل شبها بالمبيع، ألا ترى أنه يزاد فى الثمن لأجل الأجل، والشبهة فى هذا ملحقة بالحقيقة
[Al-Hidayah, 3: 78]
لأن الأجل فى نفسه ليس بمال ، فلا يقابله شيئ حقيقة إذا لم يشترط زيادة الثمن بمقابلته قصدًا، ويزاد فى الثمن لأجله ، إذا ذكر الأجل بمقابلة الأجل قصدًا
[Ad-Durr al-Mukhtar ma`a Radd al-Muhtar, 5:142; Fatawa Hindiyyah, 3:136; Fat`h al-Qadeer, 6:262; Tabyeen al-Haqaa`iq, 4:433]
[Fatawa Dar al-Uloom Deoband, 14: 338-9, Dar al-Isha`at, Karachi; Fatawa Mahmoodiyyah, 16:151-9, Dar al-Ifta Jamiah Faroqiyyah, Karachi]
أما الأئمة الأربعة وجمهور الفقهاء المحدثين ، فقد أجازوا البيع المؤجل بأكثر من سعر النقد بشرط أن يبتّ العاقدان بأنه بيع مؤجل بأجل معلوم وبثمن ، متفق عليه، عند العقد
[Buhooth fi Qadhaya Fiqhiyyah Mu`asirah, p.12, Dar al-Qalam, Damascus]
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Posted in Buyoo' (Money-related issues) on 17th Jan 2016 by Our Imam | 1113 Views
