BAJAJ FINANCE 

Kya Bajaj Finance Se 0% Loan Lena Jaiz He? 

Bajaj Finance – Assalamu Alaikum w. w.
Kya Farmate He Muftiyane Izaam Niche Wale Masle Ke Bare Me?

Suwal:

Ye Ke 12,000 Rs Ka Saman He, Jo Hamko LagBhag 11,000/10,500 Ke Aas Paas Ghar Me Padta He,

Ham Usko Rokad (Cash) Me 12,000 Rs. Me De Rahe He, Or Usko Kisto Par (Yani Hafte) Par Dene Ke Liye Ham BAJAJ FINANCE Company Se Judna Chahte He,

Jiski Sharte Is Tarah Se He….

(1) 50,000 Rs (50 Hazar) Ham Se Deposit Karwayegi, Jis Se 2,00,000 (2 Lakh) Tak Ham Customer Ko Saman Udhar De Sakte He.

(2) Customer Ko Interest 0% Lagega.

(3) File Charge (Kaagzat Ki Karyawahi) 600/700 Rs Customer Ko Lagega.

(4) 1.5 Par 3% Service Tex Ya Uska Nafaa Lega Ham Se Bajaj Finance Wala, Jaise 15,000 Ki Chiz Ham Ne Sell Ki (Bechi), To Uske 300/400 Rs Tex Lega.

(5) 12000 Ki Chiz Par Example 1000 Rs Ki Qist (Hafta) Banaya He, To 4 Hafte (4000 Rs) Advance Lenge Ham,

Or Baki 8000 Rs 8 Hafte Par Taqseem Karke, Har Mahine 1000 Rs. Uske Acount Se Kaat (Cut) Leye Jayenge.

Ab In Sharto Ke Hisab Se Ko Customer Saman Lega To Usko 12000 Rs. (Ka Saman) + 700 Rs. File Charge + 400 Rs. Service Tex = Total 13,100 Rs Me Padega,

Jis Me 4 Hafte (4000 Rs.) Advance Or 1100 Rs. Jo Other Charge Ke Ho Rahe He, Wo Ham Pehle Hi Le Lenge,

Yani 5,100 Rs. Pehle De, Or Baki 1000 x 8 Hafte Me De.

Jawab:

حامدا و مصلیا و مسلما

Suwal Me Batayi Gayi Haqiqat Ke Mutabiq, Ke Bajaj Finance Se Customer Ko Udhar Dilane Me Sab Se Pehli Shart (1) Ye He Ke Dukan Wala Bajaj Finance Ke Pas 50,000 Rs. Deposit Rakhe, Jo Ek Hisab Se Qarz (Udhar) Hi He,

KyunKe Company Us Se Faida Uthayegi, Or Us Deposit Ke Badle Dukan Wale Ke Customer Ko Saman Qarz (Udhari) Par Diya Jayega, Jiski Wajh Se Bazaar Me Grahak Badh Gaye He,

To Ye Aisa Hi Huwa Ke Dukan Wale Ka Diposit Rakhne Ki Wajah Se Dukan Wale Ke Customer Ko Bajaj Finance Udhar Ki Sahulat De Raha He, Jiska Direct Fayda Dukan Wale Ko Pohnch Raha He,

Lihaza Ye Ek Tarah Se Udhar Dekar Faida Uthaya Jaa Raha He, Jo Shariyat Me Pasandida Nahi; Balke Baaz Martaba Ye Seedha Sudi Muamlat Me Dakhil Hojata He,

Allah Ke Rasool ﷺ Ne Irshad Farmaya He: Har Wo Qarz (Udhari) Jis Se Faida Uthaya Jaye, Wo Sood He.

Isi Tarah Bajaj Finance Name Ki Company File Charge Or Service Charge Ke Name Se Jo 600 Rs. Ya 700 Rs. Leti He,

Agar Haqiqat Me Ye Qarz Jaari Karne Or Uska Hisab Kitab Karne Par Jo Kharch Aata He, Itni Hi Miqdar Me Liya Jata He, File Charge Or Service Charge Ke Name Se Lee Gayi Raqam Kharch Se Badhkar Nahi He, To Uske Lene Ki Gunjaish He, (Le Sakte He.)

(Mustafad: Fiqhi Maqalaat: 1/272)

Or Agar Service Charge Ke Name Se Lee Gayi Raqam Kharch Ya Is Tarah Ke Kaam Ke Kharch Jo Bazaar Me Hote He, Us Se Badhkar He, To Ye Kharch Ke Name Par Nafaa Kamana Hoga, Jo Sood Hi Ki Line Me Aayega.

Puchhe Gaye Masle Me Saaf Tor Par Kharche Se Ziyada Hi Raqam Lee Jati He.

Iske Sath Sath Customer Agar Hafta Waqt Par Ada Na Kar Sake To Use Penalty Ke Name Par Sood Hi Dena Padta He, Jo Sharee Etebar Se Bilkul Jaiz Nahi,

Ye Soodi Muamlat Par Seedhe Seedhe Razi Karna He, Or Yaha Sharee Koi Majburi Bhi Nahi, Ke Uski Ijazat Di Jaye.

Haa! Service Tex Ke Name Se Jo 3% Liya Jata He, Ye To Hukumat Ka Fixed Tex He, Sharee Etebar Se Is Se Muamle Par Koi Asar Nahi Padega,

Iske Alawa Upar Batayi 3 Wajhe Aisi He Ke Jiski Wajh Se Dukan Wale Or Kharidne Wale Dono Ke Liye Bajaj Finance Ka Sahara Lene Se Bachna Zaruri He.

Asal Bat Ye He Ke Jin Logo Ko Rupiyo Ki Zarurat Hoti He, Or Unko Koi Qarz Dene Wala Nahi Hota He, To Wo Bajaj Finance Se Koi Mehngi Chiz Kharidkar Fouran Dukan Wale Ya Kisi Or Ko Saste Me Bech Deta He,

Goya Soodi Qarz Na Lekar Ye Rasta Apanaya Gaya, Ye Aadat Kal Chalkar Direct Soodi Qarz Lene Par Majbur Kar Sakti He.

Ye Bat Samajni Chahye Ke Is Tarah Ki Karobari Companiyo Ka Karodo Ki Raqam Lagakar Awaam Ki Sirf Khidmat Karna Dimag Se Bahar Ki Baat He,

Is Liye Behtar He Ke Bajaj Finance Se Saaf Saaf Lafzo Me Puchha Jaye Ke Is Tarah Qarz Dene Me Company Ka Kya Faida Hota He?

Is Suwal Ke Jawab Se Masla Or Bhi Saaf Hojayega.

Note: Bajaj Finance Ke Qarz Dene Ki Shakal Kuch Or Hogi To Masla Badal Jayega.

Fqt Wallahu Taala Aalam V Ilmuhu Atamm V Ahkam.

✍🏻 Mufti Junaid Bin Muhammad Palanpuri Ufiya Anhu
Darul Ifta Val Irshad, Majlisul Barkah (Kolaba, Mumbai)
25 Rabi-Us-Saani 1439 Hijri

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