Every Muslim in this world has an utmost desire to perform Hajj and Umrah once in his life. It is true that you can visit the House of the Almighty only and if He SWT invites you because you can visit someone house only when the other summonses you. But there are some materialistic reasons that you give yourself in order to think about why you are not able to go on this sacred journey. One big issue is a financial one. Of course, living in this world you are dependent upon the money you have in order to do anything. Regarding Umrah, there are times when people planning to perform Umrah think to borrow money to perform the holy journey.
The matter in regards to performing Umrah while in debt is different than it is in the case of performing Hajj. It is permissible for one to go to Umrah even if one is in debt, only if these journeys to the holy cities will not the cause of delaying the repayment of the loan due upon him. Paying off debts is an obligatory injunction and one will be questioned regarding outstanding debts by the Almighty Allah. However, planning and proceeding for Umrah is an optional deed.
Sometimes it is mandatory to pay off your debt first rather than to take off for the holy journey to the holy cities, however, proceeding Umrah while be in debt is also permissible in Islam. if you have debt and you still have strong desire to perform Umrah and see the holy and prestigious sites in Makkah and Madina, then your going is not Haram and it will be accepted in front of the Lord by the will of His SWT.
Even if you go to the holy land for the performance of Umrah, you probably have doubt about whether or not your journey will be accepted by your Lord. To overcome this doubt, it will be a healthy practice to seek permission from your creditors. It will ease up your heart and you will be able to light heartily can endeavor your Umrah. One situation is to pay your debt in installments. In this way, you can pay your debt as well as your pocket will not be a burden even if you go out for your Umrah journey.
Prophet Muhammad SAWW stated different Hadith regarding debt and that it is necessary for a loaner to pay off his debt as soon as possible. If someone is delaying his paying off deliberately and he will die around the time then he will have to face the wrath of Almighty. On the other hand, it is also virtual for the loan giver to wait for his loaner to pay off his debt since he had taken the loan because he was in need and probably do not have enough amount to pay off. Prophet Muhammad SAWW said; “I seek shelter from disbelief and debt.”
Islam endeavors easiness and comfort to its believers in every aspect of life. Islam is the religion that pays attention to people’s right and people desires. So it gives permission to its believers to go to perform Umrah even in debt. However, the case is different in Hajj and Umrah. Muslims can perform Umrah in debt but cannot perform Hajj in debt. The reason is that Hajj is an obligatory ritual and is mandatory once in a lifetime who is financially and physically capable to afford it. It is one of the five pillars of Islam and is the source of the cleansing of the soul. Umrah is non- obligatory and can perform at any time throughout the year when a person wants. Hajj is the great virtual ritual and is also a great responsibility so it cannot be delivered by taking loans and debt. However, Umrah can be performed while in debt because it is non- mandatory ritual.
Source: travelforumrah.co.uk
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