What is Ijarah | Ijarah Financing | Car Ijarah | Islamic Leasing By Knowledge Topper (Urdu/Hindi)
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- Опубліковано 8 лют 2025
- Complete and clear explanation about what is ijarah, ijarah financing, ijarah car financing, islamic leasing by knowledge topper with suitable example....
Complete and clear explanation about by knowledge topper with suitable examples............
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#ijarah
#IjarahFinancing
#CarIjarah
#IslamicLeasing
#KnowledgeTopper
Ap ka parhane ka method bht acha ha muje bht achi saj aye ha
Islam is a great religion
Very well explained. With so much efforts.hats of to you
Thank you so much😊
thanks brother ... today i have understood difference between interest and ijarah...i was always confused that how ijarah is an alternative for interest...ALLAH apko Jaza e Kher Ata Farmaye.
Great explanation
Thank you 😊
Tomorrow is my Viva of banking. Thankyou for perfect explaination and making everything clear🔥
Thank you so much for your appreciation. My best wishes are with you InshaAllah you will do Very Good in your Viva. Bestest of Luck😊.
@@KnowledgeTopper THANKYOU SO MUCH SIR ❤️
Very well explained, MashaAllah. Thank you!!!
Welcome 😊
Zabardast❤️💕
Plzzzz rules or is ki types pr vedio bana dy😊
Plz kia ap rules of ijarah and its types pr vedio bana skty han 2 din may
Sorry it's not possible in 2 days but I will upload as soon as I am free.
Rather u can email me I will share my slides with you it is easy and self understandable.
faisal2054590@gmail.com
Do post a new comment below this video when you mail me because I didn't get notifications of replied messages.
Or bank ya rent kb tk hm sa lata rhy ga.....or us car ke ownership hamary pas kb aige????
agr ap islamic bank ko installments puri dedogay tu phr wo asset ka owner customer hoga na?
Yes after completion and clearance of all documents.
Rent ka maltab to ye hai k jab installments complete ho jayein gi to car bank ko wapis karna hogi kyun k car to rent py hai
Jee bilkul sahi Laikin aap nay agar video ka lecture suna hay to ap Ko maloom yoga Kay ijarah may 2 option hotay hain aik toh woh hota hay kay simple rent hota hay Yani rent Kay contract ki duration khatam hotay hi bank ko gari wapis kardi jaati hay aur dosra option yay hota hay Kay jis may 2 alag alag contract hotay Hain aik rent ka aur aik sale ka Matlab Kay rent ka contract khatam honay Kay baad bank wohi car usi banday ko sale kardaita hay jisay rent per di thi bazahir yay rent contract hi hota hay laikin agar lessee Yani Jo rent per gari istamaal Kar raaha hay us Kay pass yay option hota hay Kay wo rent per use karnay kaybaaf aik separate contract Kay tehat gari usay as a gift bank day daita hay laikin yay baad pehlay say lessee Yani khareednay Wala aur lessor Yani baichnay Wala pehlay say decide kartay Hain Kay duration khatam hotay hi bank wo car gift kardayga agar gift ki surat hoti hay toh rent ki monthly payment amount ziada hoti hay hope it will clear your mind aur agar koi masla Baki hay toh aik data video dobara daikhain aap ko aur acha samjh ajayega....
Agr bank gift naa kry tou garrii bank Ki hee ho gii
Jee because bank kay pass ownership hay gari ki
Assalamualaikum warehmatullahi wabarakaatuhu.
Sir can u please upload a video on why monopoly is prohibited in Islam...its reasons and effect.
Walaikum Assalam
Don't have such knowledge to that. These are best answered by Mufti or Alim.
Assalamualaikum warehmatullahi wabarakatuhu
For example bank ne 6 lakhs me car kharidi aur 6.5 lakhs may agar client ko bechna chahe toh kya sell kar sakte ...equal installments may ?.
Walaikum Assalam
Phir wo Ijarah contract nahi balky Murabaha Contract kay zariyay hoga
Ok jazakallahu khairan
ua-cam.com/video/WHyrS1EBBvM/v-deo.html
For further Info Related to Murabaha You can watch the video in above mentioned link...
Lekin client ko disclose nhi kiya actual amount tab bhi murabaha hi hoga ?
mera ek sawal hai..jo car bank hamen lekar de raha hai. kya wo gari insured hogi ya nahi ??. for suppose gari chori hojae to phr koun zimmedar hai.
Jo Car Bank aap ko ijarah contract Kay tehat rent per dayga bank uski insurance zaroor karayega aur us insurance ki fees wo lessee Matlab Jo car ko use karayga wo uskay total rental amount may shamil hongi as such aap ko bank bolayga nahi Kay insurance ka expensed dain but daikha jae toh insurance car ki bank hi karata hay but indirectly us insurance ka expense lessee Yani use karnay Wal hi rental payment Kay andar kuch amount include hoti hay eg agar 20000 ka monthly rent hay toh bank insurance Kay sath usko 24000 kardayga 4000 insurance ki amount add karkay
Hope this answer will satisfy your query...
Diff bw ijarah and murabaha???
After last instalment agr koe gift na la tau phr ......???? Kya Bank apni gari wapis la le ga ??
Ijarah Kay contract start honay say pehlay lessee and lessor is point ko discuss karaingay jis may agar lessee contract duration Kay end par agar car gift Kay Tor par laina chahata hay ya nahi laina chahata wo cheez mention karaingay. Toh Incase agar lessee na chahay gift laina toh woh nahi lay saktay as per contract aur agar Chahta hay tab bhi contract per yay likha hona zaroori hay but yay cheez decide hoti hay contract Kay start may and phir usi tarikay say contract execute hota hay and rent bhi car ka usi hisaab say Lia jata hay.
Daikhain yay gift ka system decided hota at the start of contract in case agar lessee ko gari chayay hay ya nahi chayay hay. Aur phir us hissab say lessor apna rent calculate karkay batata hay
Let say aap as lessee gaye Islamic bank lessor Kay pass aur unsay Bola Kay mujhay City chayay hay Ijarah bases par jis ki value Rs 25 lac assume kartay hain and Ijarah contract ka period 5 saal toh Islamic bank aap say poochayga Kay aap contract Kay baad city wapis karaingay ya gift Kay Tor pay laingay.
Ab scenario banatay hain let say aapnay kaha gift bataur lunga
Ab yay baat zehan may rakhiga Kay Ijarah contract Jo Kay rental based hay wo 1 Alag contract hay aur gari ko gift karna yani uski ownership ko change karkay lessee ko gift karna wo 2nd dosra contract hay.
Ab agar aap gift lay rahay ho toh yani contract Kay baad car ki ownership lessee ko jaigi toh is situation may Islamic bank ka 25 lac laga hay gari ko purchase karnay Kay liay toh bank usi hisaab say apna rent calculate karaiga jis may wo apnay 25 lac + Profit shamil karkay apni amount ko in 5 years Kay rental period may cover karaiga means aap Jo rent pay karogay in 5 saal Tak uska total amount 25 lac aur bank ka Jo bhi profit rakhayga let say 4 lac Toh 29 lac Toh in 5 saal Kay contract may aap bank kopay karogay as a total rental payment Jo Kay monthly ya quarterly bases par Jo bhi aap bank say decide karogay.
Aur is tarah akhir may lessee ko wo car gift kardee jayegi bank Ki taraf say 2nd contract bkay tehat jis may ownership cash he hojaigi car ki from lessor to lessee.
Ab dosra scenario samjh lain
For example aap nay Mana kardia Kay mujhay car nahi chayay hay
Toh ab Car ki cost Jo hay wo 25 lac hay aur 5 saal ka contract hay toh bank ko 5 saal baad bhi us car ki value milaygi let say wo car aapkay contract Kay baad bank 15 Lac ki sale karta hay kisi AUR ko
Toh bank Jo apni rental amount calculation karayga aap say wo us hisaab say karayga let say 5 saal Tak aapsay 15 Lac layga total rental amount toh
25 Purchase Price
15 Lac Rent Amount
15 Lac Sold after 5 years to another customer
Bank Profit Rs 5 Lac.
Hope aap samjh gaye hongay.
Baki Rs 100 Wali Jo baat aap kar rahay hain wo 1st case may hoti hay jab aap yay decide kartay ho contract Kay start may Kay may gift lunga car ko contract Kay baad toh gift transaction ko execute karnay Kay liay aap bhalay Rs 1 do ya Rs 10 ya Rs 100 wo us liay hota hay.
Aisa nahi hotay Kay bank bolay Rs 100 doh aur gari lay loh wo starting say decided hota hay. Bus transaction ko execute karnay Kay liay aap say aik amount laita hay ab wo amount Rs 1 ho ya Rs 100.
@@KnowledgeTopper ok per mery baat aap ab bhi nahi samjay .ma kehta hon ma rent pr gari/bike lata hon .ma us gari/bike ka rent data hon .After last rental ma kehta hon yi gari/bike ma nahi lata .phr kya ho ga?
Bhai aisa nahi hota jaisay aap Keh rahay hain gari laina as a gift ya na lainay ka decision aap ko contract Kay start may decide karkay contract may likhwana hota hay mainay aap ko oper comment may 2 scenarios bataye hain aap ghor say 2 say 3 dafa usay aram say parh kar samjhain. InshaAllah aap ko samjh ajaiga. Baki aap kisi bhi mufti say. Kisi Islamic branch may jakar tafseel Malo karsaktay hain.
Is this the same as diminishing Mushtarkah?
No
@@KnowledgeTopper What's the difference? Can you briefly explain.
Look the basic difference between Ijarah and Diminishing Musharakah is that Like in Ijarah suppose u want to purchase a car and u don't have money so I go to your Islamic Bank and sign an Ijarah contract in which Islamic Bank purchase a car and takes ownership with itself and rent out that car to you. You pay rental amounts till the Ijarah contract Duration and at the end of that contract Islamic Bank gifts out a car to you and you than become the owner of that car.
While in Diminishing Musharakah Suppose you want to purchase a car that worth Rs 10 Lac and you have only 3 Lac in your pocket than you go to Islamic Bank and sign a Diminishing Musharakah contract in which Islamic Bank haves you 7 Lac and became your partner. Now you have 3 Lac and Islamic Bank gives 7 Lac to purchase that car. In Diminishing Musharakah the share of Islamic Bank is divided in to number of units let say in our case if bank share is 7 Lac we assume that it comprise of 7 units means each unit is of Rs 1 Lac. So in Diminishing Musharakah the share of bank in a car is gradually decreases and you have to purchase each share according to the timeline and on all other remaining share you have to pay rent to Islamic Bank because you use that asset after paying the amount of each unit during the Diminishing Musharakah contract your share in a Car increases and you have to pay the rent on only those units that is left remaining after payment of all units you became the sole owner of that car . Now in order to understand it more clearly watch my video of Diminishing Musharakah it has each and every thing and it is explained with examples that will help you InshaAllah.
ua-cam.com/video/IjabBq02sTo/v-deo.html
@@KnowledgeTopper thanks
can anyone tell me about that company. is it trustable ? fraud wagera to nai hai ?
This Video is only uploaded for education purposes.
Don't trust anyone. Do your Own Research before investing.
Jb bank na hma car la k da de.....to kiya uske ownership hamary pas kabhe bhe ni aige????
Tab ayegi jab aap poora rent paykarkay us car ko purchase karlogay
Means jb us car ke payment complete ho jy ge jo hm by rent pay kr rhy han tb hma ownership mil jy ge????
Yes
Thank u soo much Sir 👍
iski calculations ?
Who is here for nda prepearation 😂
In Short It's Called Rent To Buy Service Like London For Cars Or Business Startup.
Sort of u can say but there are some small differences in rules and regulation and types of ijarah
Buy to Rent
Bank ko kya fayda ho ga?
Bank ko rent milayga it is a profit for them
Meezan bank ki website py calculator hai mein ny check kia 5.4m ki car 7.5m mein 5year ki installment py bank humein de raha hai ye profit keh lo ya sood keh lo
@@naveedsmile lakin agar car ko nuksan hua ya mukamal tabah ho gai to loss mukamal tor pe bank bardasht kare ge...aur jab tak gari thek nhi hoti aap uski installment nhi den ge