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Sunday 10 December 2017  
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The Ruling on Performing Hajj by taking a Loan
Question:

I want to perform Hajj to the Sacred House of Allaah, but I do not have what will suffice me for that. The place where I work agreed to give me a loan to cover the expenses of the Hajj, which is to be repaid by deductions from my salary afterwards. Is this acceptable?
Answer:

It is acceptable that you do this. If you perform Hajj with money that you borrowed, indeed it is accepted. However, it is better and more appropriate that you do not do this, because Allaah has only made Hajj obligatory on whoever is able to find a way there, and right now you are not able to find a way. You should not take out a loan. For you do not know maybe you will take out a loan, and the debt will remain under your responsibility, and then you will not be able to repay it afterwards. You may become ill or you may not be able to get a job in the field that you work in or you may die. Therefore, you should not take a loan. Whenever Allaah enriches you and you are able to get some wealth that you can perform Hajj with, then do so. If not, then do not take the loan.

Shaykh `Abdul-`Azeez Bin Baz
Fatawa Islamiyah, vol.4, p.63, DARUSSALAM
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