Rahn — Mortgaging & Pledging Collateral

INTENSITY MARKERS:
[M] = Fard / Wajib (Obligatory — must do) | [1] = Sunnah Mu'akkadah / Highly Recommended | [2] = Sunnah / Recommended | [3] = Mustahab / Virtuous / Commendable | [H] = Haram (Forbidden — must not do) | [h] = Makruh (Discouraged — should not do) | [P] = Mubah (Permissible — neutral)

✅ What to Do

[1]Use a mortgage/pledge when taking a deferred debt for security. (Qur'an 2:283)

[M]The pledged item remains the property of the pledgor (rahin).

[2]The pledgee (murtahin) may keep the item as security but cannot use it.

[M]Return the pledged item when the debt is fully paid.

[M]Document the pledge in writing with witnesses. (Qur'an 2:282-283)

🚫 What Not to Do

What to Do ↑ As You Wish ↓

[H]The pledgee use the pledged item without permission — it is forbidden.

[h]Take more collateral than the debt value.

[h]Keep the pledged item after the debt is settled. (Tirmidhi 1462)

⭐ As You Wish

What to Do ↑ What Not to Do ↑

Pledge property, vehicles, gold, or valuables as collateral.

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