Let us tell you different aspects of Umrah. And validate it through hadith and sunnah. Can you do Umrah on debt? Can you borrow money to go for Umrah?
Different schools of thought exist. Objective is to get to see this through the lens of Islamic scholars. We will be exploring different ways of looking at these important question. How long does Umrah last is not the question. Irrespective of the few days being spent in Saudi Arabia and the price range, challenge the principles.
Loan for Umrah
Umrah is not an obligation. Hence there is no sin of not performing it. Hence it is not mandatory. Many Muslims across the world consider this as a main and important ritual. It is a great ritual if you have the time, money and health. If not then it is not a requirement at all. No travel agents for umrah provides loans or money back installments for Umrah.
As per Quran verses 97 of Surah Al-Imran: (English Translation)
“And Hajj (pilgrimage to Makkah) to the House (Ka‘bah) is a duty that mankind owes to Allaah, those who can afford the expenses (for one’s conveyance, provision and residence); and whoever disbelieves [i.e. denies Hajj (pilgrimage to Makkah), then he is a disbeliever of Allaah], then Allaah stands not in need of any of the ‘Aalameen (mankind, jinn and all that exists)”
This testifies that you need to be in good financial standing to perform Islamic pilgrimage. Without the financial background, even Hajj is not mandatory. This is the beauty of Islam. Except namaz there are no exceptions. You have to say your prayers. For the other duties, there are certain requirements. So being financially stable requires to be a must prior to performing Umrah.
Can you borrow money to go Umrah?
There is no valid hadith stating that Muslims to get loans to perform Umrah. Hence if it were such a great task then people would be asking money to go about. In many Muslim countries there are many banks but none of them provide loans for Umrah. If this was allowed these banks will be selling out these loans.
Many of times taking money involves Ribaa and ribaa in any form is not permissible.
“Allaah has permitted trading and forbidden Ribaa. So whosoever receives an admonition from his Lord and stops eating Ribaa, shall not be punished for the past; his case is for Allaah (to judge); but whoever returns (to Ribaa), such are the dwellers of the Fire — they will abide therein”
In another place, It was narrated that ‘Abd-Allaah ibn Mas’ood (may Allaah be pleased with him) said: The Messenger of Allaah (peace and blessings of Allaah be upon him) cursed the one who consumes riba and the one who pays it. Narrated by Muslim, 1597
Hence it does not make sense to accept any loan and debt that has Ribba associated with it.
Is it permissible to perform Umrah on debt?
There are two notations on this. You can have debt prior to going for Umrah. In this case, the Islamic scholars still recommend people not to go to perform Umrah. There are certain pre-requisites of man to others. If you owe someone money and it is a debt that has not been paid off, the Islamic scholars do not allow for anyone to perform Umrah at all.
In fact imagine that you perform Umrah and your debt has not been paid. Then you die during the process. Your debt is not paid still. And someone in your family gets the burden of paying the debt. This is a burden to others. That will not comprise for the deed of Umrah. So why go about this at all.
Be True to Yourself and Allah
One goes to Umrah to purify the sins and get a second chance. When a Muslim needs Allah you can read the quran. Never dissect from the true path and not enjoy Umrah by asking for loan or getting a debt.