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Parshas Tzav: Rabbeinu Bachaye - Covering the Shame of Sinners

Parshas Tzav: Rabbeinu Bachaye - Covering the Shame of Sinners

Parshas Tzav: Rabbeinu Bachaye - Covering the Shame of Sinners

Parshas Pinchas: Rav Yehonoson Eibshitz - Where did Zimri the Great Tzaddik go Wrong?

Showering the Night Before a Taanis
 
Section: Questions   Category: Halacha
  A r c h i v e s
Halacha - Ribis
Submitted by anonymous  Answered by Rav Peretz Moncharsh
Question: If my father opens a Credit card to lend me the amount of money that the card allows. Once the card is opened you can transfer the money to your bank account witch carries a 3% fee. I would like to be able to pay back the full amount i borrowed including the 3% fee. How can we do this halachically??
Answer: A Heter Isska should be created, because technically your direct obligation is only to your father and not the bank. Consequently, you are effectively paying him Ribis, as the bank does not recognize you as a relevant party.
posted:2012-07-27 12:50:02  (0) comments   email to a friend


Halacha - Ribis
Submitted by Yehoshua  Answered by Rav Peretz Moncharsh
Question: Someone took a loan from a gemach for a large amount of money and made up to pay back 0 a month. They now need to take another loan and the same gemach has agreed to give it on condition that they begin to pay back 00 a month on the previous loan. Only if they do that will they be given this new loan that will begin payment at a different time. Is there any problem of ribis in this case? Any sources please cite. Thank you
Answer: The Sha'arei Deah permits this.
posted:2012-05-07 15:05:31  (0) comments   email to a friend


Halacha - ribis
Submitted by Barney  Answered by Rav Yehonoson Hool
Question: I lent someone money. he is making a bris, am i allowed to partake in the meal?
Answer: In general, one is permitted to accept such "benefits" from someone to whom you lent money if three conditions are fulfilled: It is something small, it is not done in a particularly public manner, and he would have given it to you anyway even if you hadn't lent him the money. (And obviously, assuming he doesn't say that he's giving it you because you lent him money.)

If you're the type of friend/communal member etc who would have gone anyway to the bris even if you hadn't lent him any money, you may still do so.
posted:2009-07-08 10:45:54  (0) comments   email to a friend


Halacha - heter iska
Submitted by anonymous  Answered by Rav Yehonoson Hool
Question: 1. Can I borrow money from a relative and pay him interest? 2. If the answer is yes, if we enter into a heter iska agreement, could you give me or direct me to a sample agreement?
Answer: It is forbidden to borrow with interest from any Jew. Interestingly, there was a suggestion that a father may lend money to his young children with interest in order that they should learn the bitter taste of paying interest, and understand how severe is the punishment for those who lend with interest, but the Gemora (Bava Metzia 75a) rejects this and forbids this too.

However, one may lend money using a Hetter Iska, in which case any extra money paid is not actually interest at all.

A Hetter Iska document can be attained from most "Beth Din"s. Have someone explain it to you before signing, as many Poskim hold that someone who has no idea how the Hetter Iska works cannot use such a document.
posted:2009-04-19 12:40:24  (0) comments   email to a friend


Halacha - ribis
Submitted by anonymous  Answered by Rav Peretz Moncharsh
Question: is it ribis to pay back someone with cash when that person bought something for you with food stamps
Answer:

It's not a problem. The transaction is a sale not a loan because you are paying cash for the product, it is irrelevant how they paid for the product. Even if you would buy the food stamps for cash at full value it would not be ribis just like cashing a check (althouth it may not be legal). If you would pay less than the face value it would presumably be a machlokes if ribis is involved, assuming a food stamp is similar to a check.

posted:2008-06-13 00:38:03  (0) comments   email to a friend


Halacha - Ribis
Submitted by anonymous  Answered by Rav Peretz Moncharsh
Question: Is it mutar to give a discount for prepaid services. I am a chiropractor and I recommend that patients receive a certain amount of adjustments in a certain amount of time. Can I offer them a discount if they pre pay for those adjustments in advance. Or can I say if your pre pay for this many I will give you one for free? If they request a refund monies refunded are refunded at the regular --not discounted -fee. Thank you
Answer:

You may give a discount for prepaying, but you may not quote both prices. Meaning, you may not tell the patient that he needs 12 treatments at 100 shekel each if he pays at each visit or 1000 shekel if he pays up front. However, you may have both prices and only quote the person one of them.

posted:2008-06-01 05:53:10  (2) comments   email to a friend


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