Is it permissible to acquire a car via FNB IJARA system?

Answer

These muftis are morons who trade the Shariah for a miserable price of some rands and dollars. It is necessary to be extremely suspicious of the muftis who sit on bank boards, who issue fatwas of permissibility for the products of the riba banks. These muftis have sold their souls for the miserable worldly pittance which the banks pay them to excrete fatwas of permissibility for their haraam riba products. Never be befooled by these riba-bankmuftis. They are among the worst scoundrels who have betrayed Islam, Allah Ta‟ala and the Ummah.

Regarding purchasing a vehicle from any bank, if the deal is constructed correctly, it will be permissible. There is no need for any fatwa or halaal certificate for this. If the instalments are fixed and the number of monthly instalments is known, then the deal will be permissible.

At the time of making the purchase, you must know the full price which consists of the deposit paid plus the sum total of the instalments. If the bank agrees to work their finance charges, insurance and the like into the total price, then the deal will be permissible.

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Salaat sets in, one of the family members should recite the Athaan. The speaker system you mention while permissible is not the same as a person reciting the Athaan. The Athaan over the speaker is like a parrot calling the Athaan.