Islam and the interest

Interest of the Quran very clearly yasakliyor sozlerle water: then the interest income from whom an admonition from his Lord in the past is essential if the work that God himself has remained. Who return again, if interest, that they are the Fire, they will abide therein.
Hz. Water clarity is to describe the interest Mohammed sozlerle: "return to the gold Gold, silver to silver counterpart, with a grain of wheat, barley and barley, and palm to palm, do not sell salt to salt counterpart. However, if an equal amount and cash it exceptional. If the interest rate increases, or get whoever took over would have given. In this area and there is no difference between giving. "
Ozetleyecek: if
1. Quran also mentioned interest rates, economists' "real interest" in the amount of inflation on interest rates in the IMIS is happening. Mathematically, we can also put forward real interest rate = 0 rule.
2. Guilty and who is the domain of the zero real interest rates being too small or zero gunahtir means being big.
On the other hand, could not find a source for gambling, according to denomination, but the water that contains conditions can be attributed to gambling situations:
1. Inconclusive results in an event to be involved.
2. If we are to achieve financial gain Kazanmaniz, if you lose to lose financially.
We're looking tanimlara evaluation of the available investment vehicles now. (It's very long buluyorsaniz stay below the letter I wrote to the outcome)
a. Bank deposit: If you picked up a real interest from the bank, this is not gunahtir = 0. With zero interest loans even if you gunahtir yatiriyor inflation with an interest in over the gunahtir If yatiriyor. Already collected this money from you bank or credit interest in kazandiklari kulladiklari even if for the real interest rate = 0 would be sin islemis (gunaha tool for you get). So he never sinned, to keep a copy for the money in the bank is required yatirmamaniz.
b. Bonds / Treasury Bills: State of the zero real interest rate equal to the debt verdiginiz can do that. Usually a zero real interest rate is higher, but sometimes it occurs under zero. Them have low interest rates likely to be zero. So real that I think a Muslim should stalker them away. Inflation-indexed kagitlardan Bring on the inflation rate in the hands of the night to give back to the state in which vatandaslarimiz (if they do not violate any other rule) can do it. Consequently, the purpose of real interest = 0
c. Stock Exchange: Stock Exchange to invest in companies that use Dear whom interest is forbidden. A company that meets all the Islamic rules in the stock market assume that the processing gordugunu. This definition of gambling within the company to sell the stock takes it away. When he picked up shares at a future alacagi value (as well as the basic parts of) depends on the sansa. After five years of a stock we do not know what price you'll see from the process. So just when I thought that if the purchase and sale, depending (or less) to profit or loss is subject to our situation. So it should be forbidden according to Islam it. But if the profit share of a stock for only dagittigi tutarsaniz You take your hand and forever, the company's share of profits dagittigi (I) do not sin.
d. Gold / Silver: the price of everything past, gold / silver lap times your money under the precious metals was determined with the stalker was not sin. However, in today's prices are determined on local currencies, while gold (with some basic degiskenlerle) sansa categories depending on gambling for degistigi enters. To do so, under the investment gunahtir this. To get the golden takin (consumption purposes) may not be sin, it is necessary to control the other yasaklari.
e. Currency: Currency is well below the difference, the value (with some basic degiskenlerle) vary depending on the sansa. To make it so that gunahtir Forex Trading.
f. Options: Opsiyonlarin value will vary depending on the sansa. He also why they gunahtir.
g. Nema: State of zero because there is no real interest to you gave gunahtir also valued.
h. Real estate: Real estate prices (the main factors besides), depending on if I done trading gain or loss for degistigi gunahtir to bear. However, a real estate holding forever, provided it does not get covered by sin edeceginiz income.
i. Investment Funds: Investment fonlarinin enstrumanlara majority of the above, they could make the investment. He also why they gunahtir. Yatirimcilardan collected as exceptional as the currencies in activities fully comply with Islamic rules that put the funds equivalent to the share of business investment can be done. Hedge funds for everyone, this is for MAC kaka tu kaftandir bicilmis.
Let the consumption by an event:
a. To borrow: Source matter what (whether state or private sector, either party) to use a credit gunahtir zero real interest rate.
b. Payment of the price of giving up the shopping: Islamic financial rules, the same one company totally different price match must satmamasi. Zero inflation, partly because there is no time for an advance price of financing the implementation of those given a higher price in advance for the gunahtir odettigi. He yapilmamalidir why such an application. Inflation to be going in implementation of payment installments icermelidir farkini.
c. Credit cards: Credit cards offering amacini tasirlar companies to obtain interest income. If your card if not equal to zero real interest rate applied to the use of this credit kartlarinin gunahtir (cekmeseniz credit even want to eat because the interest rate you get a company to assist in this action)
d. Insurance: Insurance companies often sin niteledigimiz enstrumanlara yatirirlar currencies collected from you, it's so incumbent on insurance gunahtir (tools would be). Company according to Islamic rules, if an insurance company, collected the currencies have put these questions then maybe we can give a different answer. Incumbent, this time the insurance is like gambling, a winner and a loser in the end, the event will gerceklesirse. That this is so gunahtir.
Let's look at a recent Private Finance Kurumlarina.
a. Collected funds in exchange for shares if the corporation gives you the rules, this practice is appropriate. Those of us above the "i" part means they could already invested fonlariyla goes into the same category.
b. Leasing: This is in accordance with the rules of the real interest rate = 0 must be able to uyguladigi interest. Costs also stays. What would be of real interest rates in advance, a different real interest bilmedigimiz uses zero for the majority of these practices. He gunahtir so.

c. Murabaha: In this method, the customer's need of raw materials, machinery, etc. on his behalf to buy and put a profit will be transferred to the customer. ÖFK'ya price of the goods by the customer will be refunded in installments. The most important rules to conform to these conditions to obtain the customer's need for raw materials, machinery, or do not know Where can alacagini skilled absence. Hand, if the fellows in the money (capital) would have been had the financial might get them the answer is yes to the question gunahtir usury. I think the answer to this question is always yes. OFK broker in the end, not provide funding fellows Function; alacagini customer does not know where his own raw material that I never do the work. In the end, this is a finance, real interest rates applied in different gunahtir zero. Gunahtir zero because of the high real interest rates mostly get.
Company shares outside the field of Islamic funds if we all Ozetleyecek gunahtir investments. To put money on me kalirsa gunahtir OFK'lara. You can also currency investment you made only consumption, not make speculation in precious metals over. You must be careful when spending the money as well, because everywhere in interest (as an open and secret) karsimiza occurs. Muslims now have real sakinmasi. If you do not like the Koran or soylendigi "Kim again if interest returns, that they are the Fire, they will abide therein."
Inflation, interest only giving up for Muslim investors (real interest rate = 0) from the market, causing bond surmuyorlar? Of these bonds or treasury ihracini he can direct, too sinks borclanma costs. I do not think it cikacagini against the secularists.