Thanx dear for giving your opinion..
But still I don't consider it lawful for us..
I accept that the government bound them to give the buyers kibor +2% discount, but what honda and indus r doing?
They deposit our advance payments in their "saving" bank accounts and whatever Markup they receive, from that Markup they have been compensating us that's why they write "interest payment" on the cheque..
However, if they invest our deposited money in some bussiness for this waiting time period, suppose for six months and whatever profit they earn on our invested money.. If they transfer it to us.. that will b fine and lawful for us. But, they don't do this because the govt. does not allow them to do so. Secondly, in investment there is a risk of loss as well, and these companies obviously can't take this risk..
Now, whether Markup on saving accounts is SOOD or not.. I think it should not b debatable.. Shariah Court and then Suprem Court in 2002 have given their verdicts about this Markup and declared it SOOD.. All renowned scholars/mufti also have paased the same verdict..
Furthermore, it may b confirmed from Honda and Indus that how they r compensating.. But my experience says they don't easily disclose such information and always give you vague replies..
That's what I think.. Its the matter of inner satisfaction, if somebody thinks differently.. He may go ahead.. But knowingly going for SOOD... makes sin more ruinous..
Even if there is a doubt of HARAM, better to leave it.. This is what our religion says..
May Allah give us strength to b on right path.. Aameen
