Taking an Interest Bearing Loan to Escape Difficult Situation at Home
Question

                I am religiously committed; I offer my prayers on time, and I do all my religious duties, and people testify to my good character. I also treat my mother kindly and I am the one who spends on my mother and sister. But my problem is my mother; despite my great love for her I have started to want to be independent in my life and I am going to take a loan to build a home where I could be independent. My mother is very bad-tempered and always puts pressure on me, to such an extent that I have developed mental and physical illness. She yells for any reason and for no reason. I am also deprived of the simplest rights at home; I have to think before I make any movement in the house and I do not have the right to touch anything without her permission. If I do anything that she thinks is wrong, it will be a terrible day. I have become very edgy even at work and with my friends. I have begun to hate loud noises and just the sound can make me jump. Because of my nerves I have developed chronic high blood pressure. My sister and I cannot even have the neighbours visit us at home; we are not allowed to open the door to them or even to congratulate them on the occasion of Eid. We are not allowed to do anything.  

You are going to tell me: why don’t you sit down with your mother and tell her how frankly you feel in a calm and friendly manner? I will tell you: we have tried in various ways to talk to her in a calm and friendly manner, but every time, she turned it into a huge argument that ended in conflict; she described herself as the one who is being wronged and as being tested with children who do not respect their mother even though we, as everyone will testify, are good children who try hard to please their widowed mother.  

The greatest sacrifice I have made for my mother is that I have always refused to get married, because I know in advance that he will refuse to let me help my mother financially. This is something that I cannot accept. No matter how hard I try to explain to you, you could never imagine my suffering, because all you think is that the only solution is patience. But my problem is that I am no longer able to be patient. My patience has made me sick with high blood pressure and nerves. My only solution is to move away; that does not mean that I will cut off ties with my mother, but I need a place where I can find the peace that I have been deprived of. Will Allah forgive me if I resort to taking a riba-based (interest based) loan?
Praise be to Allah.
    What you have mentioned about adhering to Islam, praying 
    regularly, treating  your mother kindly and doing your duties is something 
    that makes us happy, and you deserve to be appreciated and praised for it. 
    What you have to do is to continue to adhere to the path of righteousness 
    and obedience by keeping away from haram (unlawful) wealth and stop thinking about 
    taking a riba-based loan, because riba is a major sin that dooms one to 
    Hell. Allah has warned the one who does that of punishment. People like you 
    should not fall into this major sin that incurs the wrath and anger of Allah. None of the things that you have mentioned could be regarded as a legitimate excuse in sharee‘ah (Islamic law) for you to go ahead and commit this sin. What peace can there be in doing haraam actions? Will you find any peace by 
    living in a house that was built on a foundation of sin? Is there any peace 
    in spoiling the relationship between you and your Lord, may He be glorified 
    and exalted? There can be no doubt that you will never find peace of mind or 
    feel calm if you go ahead and commit the sin of riba, because of the warning 
    that the Lord, may He be exalted, has issued to sinners of what they will 
    experience of distress and a hard life in a spiritual sense. We have 
    discussed the prohibition on buying a house with riba in the answer to 
    question no. 143149 

    What you have to do is to be patient in putting up with your 
    mother’s attitude and difficult behaviour; treating her kindly is obligatory 
    no matter what she does and no matter how her behaviour and actions upset you. There is no sin worse than kufr (disbelief), yet despite that Allah, may He be exalted, has commanded children to treat their kaafir (non-Muslim) parents kindly and to give them good company. What your mother is doing is something that can be 
    borne with patience; in fact it is possible to put up with that which is 
    many times worse than that. There are people who are less religiously 
    committed and righteous than you who do that. 

    The solution that we think you should look for, which will 
    keep you further away from this pressure, without falling into error or sin, 
    is to think again about your refusal to get married, because what you 
    mentioned about husbands not agreeing to your helping your mother 
    financially cannot be true with regard to all of them. Rather you may find 
    someone who will join you in helping her. The husband has no right – 
    according to sharee‘ah – to interfere in your financial affairs if you want 
    to help your mother. See the answer to question no.
    4037. You can also make it a 
    condition in your marriage contract that you should be able to work in a 
    permissible job and spend on your family, if you want more reassurance. 

    We hope that marriage will be a solution to your problem with 
    your mother and that you will stop thinking about taking a riba-based loan, 
    and that this will help to reduce the nervous pressure that you are feeling. 
    We hope that Allah, by His grace and bounty, will bless you with marriage to 
    a good and righteous husband who will understand your situation and help you 
    in it. So put your hope in Allah that He will enable you to do that. Do not 
    hesitate to think again about your refusal to get married; perhaps marriage 
    will be the key to the solution for what you are suffering. 

    We ask Allah to help you to do that which pleases Him, and to 
    help you to treat your mother kindly, and to bless you with a righteous 
    husband and good offspring. 

    And Allah knows best.