Performing Umrah or Hajj before settlement of loan

Question ID: 
615
ano*** asks:

Question

Salaams. I took loan from bank n repayment is extended for 15 years. In that case if I want to perform umrah or hajj should I settle my loan first then proceed on hajj or if I have sufficient money to perform hajj or umrah before these 15 years is it allowed for me to go. I know that it is nt permissible to take loans koz of interest but I didnt have money to build my house I was compelled. What should I do now. In case of natural death only my loan is written off so no debts on my husband or kids if I die while goin on hajj. Plz advise. Jazak Allah

Answer

Wa alaikumus salaam. It is understood that you have the means to reimburse the contracted loan, hence you will not be delaying your creditor. So in this you will be allowed to perform your Umrah or Hajj.