Should One Give Daswand On A Bank Loan Taken Out?

#1
ASinghKhalsa

Posted 01 June 2012 - 08:10 AM

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If someone takes out a bank loan, do they have to give a tenth as Dasvand? What would be Gurmat? (for an Amritdhari)

#2
MokhamSingh

Posted 01 June 2012 - 08:21 AM

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Views of only Amritdharis are required here.

It would be good if 5 Singhs could reply.

If someone takes out a bank loan, do they have to give a tenth as Dasvand? What would be Gurmat? (for an Amritdhari)

Khalsa Ji

Daswand is one tenth of income , just calculate your net income and give one tenth etc.

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#3
ASinghKhalsa

Posted 01 June 2012 - 08:23 AM

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Khalsa Ji

Daswand is one tenth of income , just calculate your net income and give one tenth etc.

Is that one tenth of hak di kamai or for a loan as well?

#4
_Guest_

Posted 01 June 2012 - 10:08 AM

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Waheguru ji ka khalsa
Waheguru ji ki fateh

Khalsa ji it's better to be safe then sorry !

Anyway would use the parchi method and ask Guru Sahib jeeo.

ਫੁਰਮਾਨੁ ਤੇਰਾ ਸਿਰੈ ਊਪਰਿ ਫਿਰਿ ਨ ਕਰਤ ਬੀਚਾਰ ॥(SGGS jeeo - Ang 338)

Your Command is upon my head and I no longer question it.

(ਹੇ ਪ੍ਰਭੂ!) ਤੇਰਾ ਹੁਕਮ ਮੇਰੇ ਸਿਰ-ਮੱਥੇ ਤੇ ਹੈ, ਮੈਂ ਇਸ ਵਿਚ ਕੋਈ ਨਾਂਹ-ਨੁੱਕਰ ਨਹੀਂ ਕਰਦਾ।

Waheguru ji ka khalsa
Waheguru ji ki fateh

#5
_Royal Bank Of Panjab_

Posted 01 June 2012 - 10:23 AM

Guests

your net income. Not bank loans. Loans are not your money .

Eg If you are taking a loan to buy/set up a business then you would pay daswand only from the net profit of your business ie after repaying costs, loans, debts, bills, wages etc.
if you are taking a loan for house refurbishment or anything else then there is no need to pay daswand.

Other than that try not to complicate it too much. if you think you can afford to give money away and wish to do so then go ahead. if on the other hand you cant afford , or dont wish to give money then dont stress too much. A penny given with prem and desire for betterment of others is better than a pound given because you feel compelled to do it .

BTW anyone else think this thread is like something a qazi would say when talking about Halal Banking???

#6
_Royal bank Of Panjab_

Posted 01 June 2012 - 10:26 AM

Guests

PS
I'm not amritdhari, but my opinions are just as valid as theirs

#7
High Spirits

Posted 07 June 2012 - 02:28 PM

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This is such a non-issue but I will respond anyway.

Dasvandh is 10% of what you have EARNT. You haven't earnt your loan, you were given it on the premise you will pay it back (plus interest).

Short answer is NO. Long answer is also NO.

However, you must take out dasvandh of that which you have earnt or given without any requirement to pay back e.g. birthday money or when you go to your Bibi's house and she's so happy to see you she drops you a ton etc