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In the Name of God بسم الله
Sara1996

Paying for Hajj with a loan then getting the funds back before leaving for Hajj

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Salam alaykum

I want to go to Hajj this year iA and there are limited spaces with the provider so I need to book asap. I want to take out a loan of £3600 to pay it straightaway, but I will earn the same amount back before actually leaving for Hajj. Therefore, would I have fulfilled my obligatory pilgrimage or not?

Also some context: this may be the only year I am able to complete Hajj as I may do surgery in the future which would prevent me from travelling, so I don't want to wait.

I follow Sayed Sistani.

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This question can be answered in two parts:

A) Hajj is one of the greatest worships that one can borrow money for, and there are hadiths by the infallibles regarding the permissibility of borrowing for it in hadith sources.[1]

B) Another issue that arises here is that since financial capability is one of the conditions of this worship becoming obligatory, will a Hajj performed out of getting a loan count as the Hajj that is mandatory for everyone to perform once in their lifetime? In other words, does this Hajj count as the wajib Hajj?

The view of many of the maraje’ regarding this question is as follows:

If one can't afford to perform Hajj, and borrows money for it, he still won't be considered [religiously] capable, even if he can easily pay back the loan later.[2] If he performs Hajj with it, it won't suffice for his Hajjatul-Islam [the wajib Hajj].[3] Of course, some marja’s, such as Ayatullahs Khu’I, Golpaygani, Fazel Lankarani, Khamene’I, Safi Golpaygani, and Zanjani believe that if someone borrows enough money to afford going to Hajj and can easily repay the money, Hajj will become wajib upon him.

 

[1] Kuleini, Muhammad bin Yaqub, Kafi, vol.4, Dar al-Kutub al-IslamiyyahTehran, 1365 (solar).

[2] Imam Khomeini’s viewpoint, see: Manasek Hajj (annotated by Imam Khomeini), pg. 35, Mash’ar Publications, Tehran, 1380 (solar).

[3] Manasek Hajj (annotated by Imam Khomeini), pg. 25, issue 20.

https://www.islamquest.net/en/archive/question/fa14068

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