The Ruling on Buying a House On Usury In the West
Question: May Allah be good to you Oh possessor of Virtue, the questioner says: A Muslim lives in the West and wants to buy a house because the rent there is very expensive. However, buying a house can not be completed except through the banks there and they work with usury. Question: Is it allowed to buy a house through the banks because he is forced to do that?
Answer: “No, usury is not allowed in any situation and it is not a necessity. Why not through a means that has no problem? Where is the necessity? If he wants to buy a house through a halal means, there is no harm even though buying a house in the lands of the disbelievers calls to gaining a visa and remaining there. However, buying a house is permissible with halal money. As for buying it through usury, then this is haram, not allowed, and there is no necessity for that because the halal means solves the problem. Allah did not permit usury in any situation. This is because Allah blessed the Muslims with the halal.
وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبا
Allah has permitted trading and forbidden Riba (usury)
Allah sufficed the Muslims with Halal. So he can obtain a house through halal [means] either renting or buying without usury or other than that of the means. Yes. May peace and blessings be upon the Prophet, his followers, and Companions”.