Jurisprudential and legal evaluation of buying and selling loans and bank facilities

The transfer of the right to credit loans and bank facilities from the seller to the buyer is a phenomenon called "lending", which is known as a new example of selling. The ruling on this deal is controversial among contemporary jurists, and the legislature has not specified this. This article seeks to evaluate these transactions with jurisprudential and legal criteria; This is because, firstly, the transferability of the franchise of loans and facilities, and secondly, the verdict of such transactions is questionable. Therefore, by examining and analyzing the views of jurists and Iranian laws, in a descriptive-analytical method, it has been concluded that the right to credit loans and facilities, as a spiritual right, can not be transferred to others and is documented in the view of some jurists. Recent laws issued by banks, the illegitimacy and legal prohibition of these transactions, which, of course, the effects of this phenomenon, both economically and socially, emphasize its legal and religious prohibition.