Question: If I was financially able one year but did not go, and later became poor, what is the ruling?

Answer: If all conditions of ability were met and you had the opportunity to go but neglected it, Hajj becomes firmly established upon you as a binding religious duty. Even if you later lose your wealth, the obligation does not lapse. You must perform it whenever you are able—even with normal difficulty. If you are unable until the end of your life, you must make a will for Hajj to be performed on your behalf from your estate.

Question: If I am in debt, can I go to Hajj?

Answer: If your debt is due and the creditor demands payment, and you cannot both repay the debt and perform Hajj without hardship, you are not financially able. However, if the creditor grants you time or you can manage both without serious hardship, Hajj becomes obligatory

Question: For example, if I suffer a financial loss before departure?

Answer: If financial ability is lost before performing the rituals and you can no longer afford the expenses, the obligation is lifted—unless Hajj had already become firmly established upon you .

Question: If a minor performs Hajj, what is the ruling?

Answer: The Hajj of a minor is valid and rewarded, but it does not fulfill the obligatory Hajj (Hajjat al-Islam). After reaching puberty and becoming financially and physically able, they must perform Hajj again.

Question: Is a mahram required for a woman’s Hajj?

Answer: According to these two jurists, if her safety (life and honor) is secured, the presence of a mahram is not a condition for obligation. Therefore, if the journey is safe (such as traveling with a secure group), Hajj is obligatory even without a mahram.

Question: If someone pays all my Hajj expenses, does it become obligatory?

Answer: Yes. If a person covers all necessary expenses (travel, accommodation, required costs, and your family’s needs during your absence) and there is no other obstacle, you become financially able through that gift, and Hajj becomes obligatory upon you.

Question: Suppose I was not truly financially able but went using borrowed money—what is the ruling?

Answer: The Hajj is valid and rewarded. However, if you were not genuinely financially able, it does not count as your obligatory Hajj (Hajjat al-Islam). If you later become financially able, you must perform Hajj again.

Question: If I can take a loan, does that make me financially able?

Answer: The mere ability to borrow money does not create financial ability. Hajj becomes obligatory only if repaying the loan will not cause undue hardship and you truly have the means to repay it comfortably.

Question: What if I am elderly or ill?

Answer: If you are physically able to perform the rituals yourself—even with normal assistance such as a wheelchair or helper—Hajj is obligatory. However, if you have a permanent illness or disability with no hope of recovery and cannot perform the rituals, Hajj is not obligatory. If Hajj had already become obligatory in the past and you delayed it, you must appoint a proxy (na’ib).

Question: When am I considered financially able, such that Hajj becomes obligatory?

Answer: You must be able to afford travel expenses (round trip), accommodation in Makkah and Madinah, the cost of sacrifice, and other necessary Hajj expenses. In addition, your family’s living expenses during your absence must be secured. After returning, your normal life should not fall into hardship. If going to Hajj would cause serious financial difficulty, you are not considered financially able