Sun 20 Jm2 1435 - 20 April 2014
145575

He sells cars and refers customers to the bank, for which the bank pays him in return

I work in a car dealership. I have a deal with Islamic and non-Islamic banks. As soon as I refer customers to them for finance for the cars they buy from me they will give me five hundred dollars. Is this halaal or haraam? My second question is: is it permissible to refer a customer to a non-Islamic bank if he refuses the Islamic bank because its conditions are difficult? Is it permissible for me to sell to the non-Islamic bank which will then sell to people by its own means whatever they are?.

Praise be to Allaah. 

Firstly: 

If the bank buys a car from you then sells it to the customer, and it gives you 500 dollars in return for referring the customer to the bank, there is nothing wrong with that. It comes under the heading of combining the brokerage and sales contracts. It does not matter that the bank is non-Islamic if it is going to buy a car from you and then sell it to the customer. 

But if the role of the bank is to provide finance and pay on behalf of the customer without buying a car from you, then this in fact is a riba-based loan which is haraam: the bank lends the customer money so that he will pay it back with something extra added. In that case it is not permissible to refer the customer to the bank, and it is not permissible for you to take anything from the bank, because guiding people to that which is haraam is not permissible. 

See the answer to questions no. 113945 and 119229

Secondly: 

It is permissible to sell the car to the riba-based bank which will sell it to the customer, because legitimate transactions with those who deal in riba are permissible. Hence the Sahaabah (may Allah be pleased with them) dealt with the Jews, buying and selling and the like, even though the Jews engage in riba. 

And Allah knows best.

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