A Research in Iqtiraz Lil-Hajj

Hajj is an act of worship and it is obligatory on any Muslim. Its requirement, however, is conditional on the existence of conditions which if not met, Hajj will not be obligatory; one of these conditions is ability which has different types and kinds and the existence of each type of ability is necessary for Hajj being obligatory.
According to the consensus of Shi’a fiqh experts, it is not obligatory to obtain ability for Hajj; because obtaining conditional obligatory condition is not obligatory. However, in some traditions, borrowing money for conducting Hajj and hence being indebted has been discussed. Hence, some of fiqh experts have spoken about this issue of "Istiqraz Lil-Hajj” from the viewpoint of these traditions and their own perceptions of them.
Some of them have decided on borrowing money for Hajj in some special cases and many have opposed this view. From the summing up of the words of the fiqh experts, it can be seen that Istiqraz Lil-Hajj, despite the existence of certain conditions, such as saving money to repay the debt, is Mustahab and some Hadith collectors have collected traditions in this regard under a chapter called “Istihbab”, and regard the pilgrimage carried out with these conditions as "Hajj Mandoub" and have not considered it as sufficient for Hajj al-Islam.