最終更新: 2026-09-27
「住宅ローンを組むこと」はハラームですか？
簡単な答え
はい、イスラム教では「住宅ローンを組むこと」はハラーム（禁止）とされています。
IsItASin · 最終更新: 2026-09-27
はい、イスラム教では「住宅ローンを組むこと」はハラーム（禁止）とされています。 Quran 2:275 — 'Allah has permitted trade and has forbidden interest (riba).'
イスラム教が「住宅ローンを組むこと」について教えること
The Study Quran
For questions this important, going back to the source matters. The Study Quran — the definitive English translation with 1,500+ pages of commentary by leading scholars — provides the depth these questions deserve.
イスラム教が「住宅ローンを組むこと」について教えること
詳細な回答（英語） — 以下の詳細な分析は英語で提供されています。 英語の完全版を読む →
Islam's mortgage ruling is the sharpest divergence among the three traditions, and it produced a global industry. The text is categorical: 'Allah has permitted trade and has forbidden interest' (2:275), with 2:278-279 adding the unique declaration of war from Allah and His Messenger against persistent usury. The majority of classical and contemporary jurists read this as prohibiting conventional mortgages — the interest is the loan's essence, not an incidental — and no widely-accepted exception has emerged for home purchase; the minority hardship opinions (permitting in non-Muslim lands under duress) exist but are explicitly minority. What Islam did instead was build alternatives: murabaha (the bank buys the house and sells it to you at cost-plus a known markup, paid in installments — a sale, not a loan), ijara (lease-to-own), and diminishing musharakah (co-ownership with the bank's share bought down) — structures supervised by Sharia boards and available across Western markets today. Muslim families navigating scarcity of Islamic products are counselled: rent patiently, use the alternatives, consult local scholars — and the discourse's own energy goes into making the halal path easier, not into blessing the conventional one.
クルアーン参考文献
- Quran 2:275 — 'Allah has permitted trade and has forbidden interest (riba).'
- Quran 3:130 — 'O you who believe, do not consume usury, doubled and multiplied.'
- Quran 2:278-279 — 'Fear Allah and give up what remains of interest... if you do not, then be informed of a war from Allah and His Messenger.'
あなたがすべきこと
以下の詳細な分析は英語で提供されています。
- Buy the home you need at the payment you can carry — count the cost before you sign.
- Compare total interest paid, not just monthly payment; the note's full price is the honest number.
- Muslim: Seek Islamic home finance (murabaha/ijara) — the majority ruling is clear, and the alternatives are real.
- All: Protect the payment — insurance, emergency fund, and honest budgeting make the home a blessing, not a trap.
Book of Repentance (Sahih Muslim)
The Prophet (peace be upon him) said Allah rejoices more when you return than a man who finds water in the desert. Islamic tradition holds that tawbah is always accepted for those who sincerely seek it.
Begin Your Tawbah — The Path Is Open →よくある質問
以下の詳細な分析は英語で提供されています。
Is paying interest on a mortgage a sin?
In two of the traditions, no — borrowing at interest is permitted, with historical rules constraining lenders and loans between community members.
In two of the traditions, no — borrowing at interest is permitted, with historical rules constraining lenders and loans between community members. In Islam, the majority ruling forbids conventional interest mortgages, with Sharia-compliant alternatives as the path. Your tradition's answer is specific: check, then choose.
What are Islamic mortgages actually like?
They are sales rather than loans: murabaha (bank buys, resells at marked-up fixed price in installments), ijara (lease-to-own), or diminishing partnership.
They are sales rather than loans: murabaha (bank buys, resells at marked-up fixed price in installments), ijara (lease-to-own), or diminishing partnership. Payments often resemble conventional ones — the structure differs, not necessarily the arithmetic. Sharia-supervised providers operate in most Western countries; ask scholars you trust for local recommendations.
Should I pay off my mortgage early?
Run both numbers with a counselor — generosity should not lose to the lender.
Run both numbers with a counselor — generosity should not lose to the lender.
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