Praise be to Allah.
Firstly:
In the answer to question no. 97842 we explained that when the testator dies, his wealth is transferred automatically upon his death [to his heirs]. The mother is entitled to her share of her son’s estate, and her son is entitled to his share of his father’s estate; he becomes entitled to it from the time of his father’s death, and it is not permissible for the mother to prevent any of the heirs from taking his rightful share of the estate in full – to which he is entitled according to the Book of Allah – on the grounds that she wants to marry off her daughters, or other such excuses that ultimately boil down to consuming the rights of others.
Moreover, fathers and mothers are also obliged to treat their children equitably in terms of gift giving, and not to single out one of them for a gift to the exclusion of the others, without a legitimate reason for doing so.
For more information on that, please see the answer to question no. 36872 .
Secondly:
Regarding the mother’s right to the estate of her son: if what he left behind was this apartment only, then the mother’s right is connected to the status of the apartment on the day her son died, and not what its status is after paying off the instalments. So if the entire value of the apartment on the day when your husband died was 100,000, for example, of which 50,000 is still outstanding, then the value of the estate that he left behind is 50,000 only. Moreover, you have the right to withhold her share of her son’s estate from her. If her share is less than her son’s share of his father’s estate, you can keep her share and she will still owe the rest of the heirs their dues that are still outstanding. If the two are equal, then you are even and the matter is settled.
If her share of her son’s estate is greater than her son’s share [of his father’s estate] that she was withholding from him, then you must give her the difference between the two shares, so you have to deduct your share, then give her the rest.
What we advise you to do is to adopt a gentle approach to this matter, and asks some people who are known for their religious commitment, rational thinking and fairness to intervene to solve the problem and give each person his or her due, and put an end to any wrongdoing and transgression.
And Allah knows best.
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