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Question ID: 36375Country: India
Answer ID: 36375
Bismillah hir-Rahman nir-Rahim !
(Fatwa: 382/L=218/TL=1433) If you had to take the loan in exigency and severe compulsion with the intention to pay it off but after much efforts you could not pay it off and died then it is hoped that Almighty Allah shall not take you accountable in the hereafter for the same. It is mentioned in hadith: من أخذ اموال الناس يريد اداءها ادى الله عنه ومن أخذ يريد إتلافها أتلفه الله عليه . As for the hadith which says that a person shall not enter into jannah who took loan and could not pay it off and died in the same state, Ulama have explained it as a loan taken without any need and spent in extravagance, so such a debt will stop the soul of momin to enter in paradise. However, the loan which was taken for reasoable needs and the debtor could not pay it off due to some compulsion then such loan shall not stop the soul of momin from entering into paradise. However it is necessary for a Muslim to leave no stone unturned to pay his debt off: قيل الدائن الذي يحبس عن الجنة حتى يقع القصاص هو الذى صرف ما استدانه في سفه أو سرف وأما من استدانه في حق واجب كفاقۃ ولم يترك وفاء فان الله تعالى لا يحبسه عن الجنة إن شاء الله تعالى [مرقات 104 جلد 6] Also both of you should keep on reciting the following dua extensively: اللهم اكفنى بحلالك عن حرامك وأغننى بفضلك عن من سواك . In-sha-Allah, Almighty Allah surely would let you any way out to pay your debt off.
Allah (Subhana Wa Ta'ala) knows Best
Darul Ifta,
Darul Uloom Deoband, India