I have asked a mufti He said that we can take loan but only for our need ! coz Islam is not as strict as we think If we need a house we should take loan but We shouldn just rely on taking loan coz its not good but we in our hearts know that we are in a state that we must take loan for our home so that we must take it but not for other things like running a business or buying car they are LUXURIES but a place for living is a need *