Jurisprudence and juridical investigation of the condition of getting lateness in banking delayed demands

Islamic countries always pay attention to a banking system without lurce and it has a deep relationship with economy and life of people. One of the significant problems for banking system is delayed demands. In fact these demands are more than 6 month and less than 18 month which passed the certain time of their reimbursement. Delayness of these demands imposes many disorders to banks. So in order to compensation banks receive much money as penalties from those customers who don’t pay their installments on time. This kind of method used by banks since many years ago has been faced with disagreements of jurists. Some know this method allowed and the other else don’t. according to reasons such as stipulation of this kind of encounter failure to pay by offender being payable of loss and wasting money this method sounds allowed but this is not allowed absolute. This allowed method in special condition such as facilities in special ways necessary experts in usage and getting facilities and having grace in getting loan could changed. In this paper payed to investigate these condition and if the customer adhere to them receiving lateness of them is not allowed even in some cases not only bank shouldn’t receive lateness but also bank itself has share in customers loss.