Questions tagged [borrowing]

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22
votes
2answers
486 views

Does Jewish Law Recognize Bankruptcy?

If someone borrowed money and then declared bankruptcy, does he still have a halachic obligation to pay it back? If the lender was a corporation (bank, etc.). If the lender was a friend. Do we say ...
21
votes
3answers
482 views

Can I lend out a Library Book?

I just borrowed a wonderful book from the local library (let's assume Jewish library - but does it matter?). My friend sees the book and wants to read it. My library lets me keep the book for a week, ...
15
votes
2answers
428 views

Do our sources address "strategic loan defaults"?

In the most recent episode of NPR's Planet Money Podcast, they interviewed a real estate lawyer in Arizona who talked about the large numbers of her clients who have been asking for advice about doing ...
10
votes
1answer
198 views

What happens if you borrowed money and the currency became worthless?

In Israel in the late 70s early 80s the currency (Lira) became worthless. Suppose one day the American dollar would become worthless, and one owes another $1,000,000- would the borrower just pay back ...
9
votes
1answer
272 views

Am I allowed to get miles or points for a loan?

Suppose me and my good friend Shimon are in a store shopping. Shimon wants to borrow $100 from me for his purchase. I graciously agree, but instead of giving Shimon cash, I swipe my credit card for ...
8
votes
1answer
624 views

Borrowed an egg from my neighbor, and found a bloodspot inside

If one borrowed an egg from a neighbor, and found a bloodspot inside, do they have to repay the egg? Should you say that since the neighbor would also throw away the egg if they found a bloodspot then ...
8
votes
1answer
268 views

Food utensil on loan from now-dead non-Jew

Do non-Jews have laws of inheritance in halacha? If so, what are they? Okay... that's not my real question, though I think it's a good part of my real question; in the interests of avoiding the so-...
8
votes
2answers
399 views

Borrowing a talis and wearing a talis katan. Say a b'racha?

The common and accepted practice among married Ashk'nazim, at least, is that they don a talis katan in the morning without saying a b'racha for the mitzva, and, later, when donning the talis gadol for ...
6
votes
1answer
1k views

Source that you can't tell your wife not to lend to others

Although I heard in a shiur that there is a gemara which says a husband is not allowed to tell his wife not to lend to others since she would eventually develop a bad name, I can't find it - are there ...
6
votes
3answers
557 views

Use tefillin without permission?

May one use another person's tefillin without his permission to perform the mitzvah of donning the tefillin? What if you have a skin condition such as eczema? If somebody did end up borrowing your ...
6
votes
2answers
148 views

Can someone keep something he borrowed from an owner or place that no longer exists?

Let's say, while cleaning house clutter, someone discovered an old library book (borrowed, say 35 years ago) from a library that no longer exists. Can he keep the book? Assume that there are no heirs ...
6
votes
1answer
289 views

Borrowing money without clear plan of how to pay it back

Are you allowed to borrow money from a Jew without having a reasonable idea how you will be able to repay the loan?
6
votes
1answer
81 views

Is there an order in repaying loans?

If Reuven borrowed money from several people, and has enough money to pay back all the loans, just not all at the same time (say, for example, if he has money tied up in real estate or something), are ...
6
votes
1answer
142 views

Should the shaliach tzibbur check the tzitzis of a tallis given to him to daven?

Some shuls require the shaliach tzibbur to wear a tallis for mincha which is normally given to him from shul property. Is he required to check the tzitzis before wearing it? Do we say that it would be ...
6
votes
1answer
69 views

Borrower loses one item of a set or pair - what do they pay?

If I lend out a pair of items, and the borrower loses one, are they required to pay the estimated value of the object lost, or the replacement cost? For example, suppose I lent out a pair of Walkie ...
5
votes
2answers
155 views

Is there a point of wearing a talis that does not require tzitzis?

There is a din in the gemorah (Chullin 110a/110b and likely elsewhere) ואמר רב יהודה טלית שאולה כל שלשים יום פטורה מן הציצית A borrowed tallis does not require tzitzis for 30 days (my ...
5
votes
2answers
114 views

Am I allowed to use borrowed money for something else?

Reuven goes to his good friend Shimon and tells him that he needs $10,000 for X. Shimon naturally agrees. Reuven then realizes that he needs the money for Y instead. Is Reuven allowed to use the ...
5
votes
1answer
104 views

Repaying a loan and processing fees

Here's the (hypothetical, of course) scenario: Reuven borrows $20 from Shimon. The easiest way for Reuven to pay back the money would be to send it through one of those new-fangled fancy electronic ...
5
votes
1answer
117 views

How does Beis Din handle loans with interest?

If a borrower and a lender go to Beis Din with a loan document that stipulates interest, but the borrower claims he can at least collect the principle, how does Beis Din look at that? Do they ...
5
votes
1answer
125 views

Why do we care about a cow loan?

The mishna, N'darim 4:6, in my own, very loose translation: Aaron asks Baruch, "Lend me your cow." Baruch tells him, "It's not available." Aaron says, "My field is forbidden to me like a ...
5
votes
1answer
168 views

Cryptocurrency and Ribbis - Celsius Network

With the rising popularity of DeFi (Decentralized Finance) and cryptocurrencies I am wondering about the interest bearing wallets such as Celsius that will give returns for holding or staking coins. ...
4
votes
1answer
71 views

How do I understand Bava Metzia 1:6?

In the mishna B"M 1:6, it talks about finding a loan document with a lien on real property ("achrayus"), and not returning it, because we are afraid that the borrower and the lender are in cahoots to ...
4
votes
1answer
436 views

Returning a Library Book on Shabbat

When I return a book I put it in a bin, and a (non-Jewish) worker later takes it from the bin, and scans it into the computer as "returned." As such, can I return a library book on Shabbat?
4
votes
1answer
105 views

Halacha for a lending library dealing with publishers' stipulations

I operate a free book-lending library which is funded by donations of money and of books. Somebody donated some books to the library that state inside that it is not permissible for libraries to lend ...
4
votes
1answer
135 views

Does a borrower-lender / borrower-bailor have a claim against his borrower/bailee?

If a shoel (someone who borrowed non-fungible personalty) re-lent the borrowed item to a further borrower (which he may not do), the original borrower (i.e., the relender) is liable to the original ...
4
votes
1answer
82 views

Can I return a borrowed item to a man's wife?

If I borrow an item from a friend and return it to his wife (not on his property) without notifying him first. Is it considered as though I returned it to the person himself, or am I still liable if ...
4
votes
1answer
142 views

If you borrowed a tiny amount from someone but are no longer able to pay back, are you still obligated to pay back?

Say a person borrows 50 cents from a fellow Jew while out of town. The borrower cut his trip short and left without being able to pay back. Can one rely that the lender would give up hope of getting ...
4
votes
1answer
86 views

Can I improve something I borrow?

If I borrow something may I do something which I believe improves that thing, without the owners consent? For example if I borrow a library book and find an error in one of the facts printed there can ...
4
votes
0answers
49 views

What recourse is available for someone whose property was seized by a creditor of the seller?

Let's say Reuven owes Shimon $1000 (because of a loan). Reuven then sells his only piece of land (that happens to be worth $1000) to Levi. This land in Levi's possession is now considered a נכס משעובד ...
4
votes
1answer
89 views

Repaying a loan if the lender was mochel

If one lends someone else money and realized that this person isn't going to pay, so the lender feels bad and doesn't want the person to have a sin and forgives the debt. Let's say the borrower ...
3
votes
1answer
72 views

"Karka Einah Nigzeles" (land can't be stolen) - really?

Borrowing is just renting without paying for it. Since you can rent land, you should be able to borrow it. If you can borrow something, you can borrow it without permission. Borrowing without ...
3
votes
1answer
101 views

Is there a prohibition of paying interest misafek (doubt)?

Reuvain borrowed money from Shimon, and both are unsure if it was ever payed back. Now, of course Shimon can't claim any money from Reuvain, but if Reuvain wants to pay him back out of doubt, should ...
3
votes
1answer
131 views

Fear of shmitta and 10 year loans

The Gemara Makkos 3b says: א"ר יהודה אמר שמואל המלוה את חבירו לעשר שנים אין שביעית משמטתו ואע"ג דאתי לידי לא יגוש השתא מיהא לא קרינן ביה לא יגוש If someone who makes a loan only payable in 10 ...
3
votes
1answer
118 views

Receiving money for a day's work, considering it to cover a debt?

I will pose this general question by presenting the following scenario: Reuvan works for Shimon. One time, at the end of the day, when Shimon came to pay Reuvan for that day's work (which was $100.), ...
3
votes
0answers
72 views

What can One do to Hasten the Repayment of a Loan?

I have heard stories of the Chofetz Chayim avoiding the streets where debtors of his lived. I have also heard that one is not supposed to pressure a debtor, and I was wondering about the halachic ...
2
votes
2answers
776 views

If shemittah passed, is it still honorable to repay a debt?

If Reuven owes Shimon $10, and shemittah passed, and Reuven remembered he never paid Shimon, yet he still wants to, should he? Is it honorable?
2
votes
1answer
142 views

Does a Gemach that lends money need a Prozbul?

Does a Gemach that lends money need a Prozbul? Individuals protect their loans from loss in the seventh year through Prozbul. Does a Gemach run by a committee of three need the same protection?
2
votes
1answer
166 views

Colourful Tallitot

Is there a preference, if one is davening at a schul where everyone wears the same tallitot (black or white), to borrow a tallit, assuming it is of a kosher size, rather than wearing one's own if it ...
2
votes
1answer
188 views

What is the status of a library loan?

When you borrow something from the (secular) library does it follow the same halacha as a loan from one Jew to another?
2
votes
2answers
77 views

Why not give tzeddakah before shmittah?

Devarim 15:7 cautions us not to withhold help to others because of the approach of the shmittah year. However, the help we would expect to give would be charity and thus would not be repaid. If ...
2
votes
0answers
81 views

How does a Jewish operated bank make money if the clientele are all Jewish?

As it was/is forbidden for the Israelites to charge usury/interest to a fellow Israelite, I began researching the banking practices of the Israelites in the Torah. That being said/written, interest ...
2
votes
1answer
55 views

Borrowing a Tallis

The Shulchan Aruch holds that one may borrow and make a brachah on someone else's Tallis without their permission provided that you put it back the way you found it (OC 14:4). In the previous ...
2
votes
0answers
69 views

Can you say "Shehachiyanu" on a mortgage "burning"?

In the U.S., there is a custom to burn the mortgage paper after the last mortgage payment has been made. Should one say Shehechiyanu on the event of now officially owning his home?
2
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0answers
97 views

Someone damages tefillin that he borrowed from someone else. Is he liable?

From Kitzur Shulchan Aruch 10:22: מֻתָּר לִקַּח תְּפִלִּין שֶׁל חֲבֵרוֹ גַּם שֶׁלֹּא בִידִיעָתוֹ לְהָנִיחָן וּלְבָרֵךְ עֲלֵיהֶן, כְּמוֹ שֶׁכָּתַבְתִּי בְּסִימָן שֶׁלִּפְנֵי זֶה סָעִיף י"א לְעִנְיַן ...
1
vote
1answer
75 views

Why isn't borrowing from non-Jews forbidden because of Devarim 15:6?

Devarim 15:6 says "For the Lord, your God, has blessed you, as He spoke to you, and you will lend to many nations, but you will not borrow; and you will rule over many nations, but they will not rule ...
1
vote
1answer
41 views

Lent half a shekel to a kohen, or gave as a present?

In Masechet Shekalim (1:6) וְאֵלּוּ שֶׁחַיָּבִין בַּקָּלְבּוֹן, לְוִיִּם וְיִשְׂרְאֵלִים וְגֵרִים וַעֲבָדִים מְשֻׁחְרָרִים, אֲבָל לֹא כֹּהֲנִים וְנָשִׁים וַעֲבָדִים וּקְטַנִּים. הַשּׁוֹקֵל עַל יְדֵי ...
1
vote
1answer
52 views

What was a shtar (document) for?

It seems that a possible prerequisite of knowing What recourse is available for someone whose property was seized by a creditor of the seller? is knowing what happened to a loan document? When ...
1
vote
1answer
83 views

Can the promise to repay through a credit card be considered a guarantee for a loan to a Gemach?

Money Gemachs typically insist on at least one guarantor before they make a loan. Someone needing a loan, suggests to the Gemach that his guarantor will be his credit card. He is using the Gemach to ...
1
vote
0answers
42 views

Are there potential Ribbis issues with applying for PPP loans?

I guess this questions has two components to it: (1) Are PPP loans different than other types of loans because of the way it's structured with the government guaranteeing the loans or something to ...
1
vote
0answers
32 views

Heter Iskah practical implications for a private loan

This question is about practical differences in receiving a loan from a "Heter Iskah" certified bank and from not certified one, with the same term and percentage. In other words, besides the ...