Installment aur sood mein farq: kya qiston par kharidari jaiz hai?

Qiston par koi cheez khareedna aur sood lena ya dena ek hi cheez nahin hain. Bahut se log is ghalat fehmi mein mubtala hote hain ke agar kisi cheez ki qiston wali qeemat naqad qeemat se zyada ho to yeh sood hai, halaanke Shariat mein dono muamlaat mein bunyadi farq paya jata hai. Sood darasal qarz ke badle izafi raqam lene ka naam hai. Masalan kisi shakhs ko ek lakh rupay qarz diye jayen aur us se shart rakhi jaye ke woh muqarrara muddat ke baad ek lakh das hazar rupay wapas karega, to yeh izafi das hazar rupay sood kahlaenge, kyunke yahan raqam ke badle raqam mein izafa liya ja raha hai.

Is ke baraks qiston par khareedari qarz ka nahin balki khareed-o-farokht (bai') ka muamla hai. Misal ke taur par kisi mobile ki naqad qeemat 20,000 rupay hai aur dukandaar kehta hai ke agar aap ise barah maah ki qiston par khareedein to is ki qeemat 24,000 rupay hogi. Agar khareedne wala aur bechne wala khareedari ke waqt hi 24,000 rupay ki hatmi qeemat par ittefaq kar lein aur baad mein is qeemat mein koi izafa na kiya jaye, to yeh jaiz khareed-o-farokht hai, sood nahin. Fuqaha-e-Islam ne wazeh kiya hai ke udhaar ya mo'akhkhar adaeegi ki wajah se qeemat ka naqad qeemat se zyada hona bazaat-e-khud sood nahin banta, bashart-e-ke qeemat aqd ke waqt mutaayyan kar di jaye.

Albatta agar qiston ke muahide mein yeh shart shamil ho ke qist der se ada karne ki surat mein mazeed raqam ya feesad ke hisaab se izafa liya jayega, to yeh sood ke hukm mein dakhil ho jata hai, kyunke yahan izafa mahz waqt ke badle liya ja raha hai. Isi tarah agar koi bank ya idara mahz qarz de aur phir us qarz par sood wasool kare to yeh bhi riba (sood) hai, jise Quran-o-Sunnat mein sakhti se haraam qarar diya gaya hai.

Lehaza khulasa yeh hai ke qiston par cheez khareedna us waqt jaiz hai jab woh haqeeqi khareed-o-farokht ka muamla ho, poori qeemat ibtida hi mein tay kar di jaye, aur takheer ki surat mein soodi izafa na liya jaye. Jabke qarz ke badle izafi raqam wasool karna sood hai aur Shariat mein haraam hai.