He bought his apartment with riba; how can he repent from his action?

He bought his apartment with riba; how can he repent from his action?

I bought an apartment two years ago through a riba-based bank. I paid five thousand Jordanian dinars (JD) and the rest was paid by the bank. The price of the apartment was 27 thousand dinars. The agreement was that I would pay monthly instalments for 92 months, and the amount of one instalment is 208 JD. Now I want to get rid of the bank and repent to Allaah. Please note that the instalments paid to date add up to 13,000 JD. What is the best solution to rid myself of this sin? Please note that I cannot afford to pay the rest of the price of the apartment, and that the prices of apartments are going up in Jordan nowadays, i.e. if I were to put my apartment up for sale I would get double the price for it.

From Quran Blog 

And important note that we want to discuss and share with you its is about reading Quran and Reciting Holy Quran to understand it, Ramadan is the month when the beautiful the Holy Quran has been revealed.  A miracle by the creator of the worlds, Allah (SWT)  Should we not glorify him by reading the gift he has sent down for us and learn Arabic Quran by heart  to feel the power of it and learn is with translation to understand it and let our heart fill will tears of glory and wash away our sins  “Will they not meditate on the Quran, or are there locks on the hearts”, read Holy Quran, Surah Muhammad, Verse 24.

End from holy Quran reciter blog

 

Praise be to Allaah.

Firstly: 

We ask Allaah to enable you to repent from dealing with riba,
because riba is a major sin and dealing in it means that one is subject to a
stern warning. 

Allaah says (interpretation of the meaning): 

“O you who believe! Fear Allaah and give up what remains
(due to you) from Ribaa (from now onward) if you are (really) believers.

279. And if you do not do it, then take a notice of war
from Allaah and His Messenger but if you repent, you shall have your capital
sums. Deal not unjustly (by asking more than your capital sums), and you
shall not be dealt with unjustly (by receiving less than your capital sums)”

[al-Baqarah 2:278-279] 

It was narrated that Jaabir (may Allaah be pleased with him)
said: The Messenger of Allaah (peace and blessings of Allaah be upon
him) cursed the one who consumes riba and the one who pays it, the one who
writes it down and the two who witness it, and he said: they are all the
same. Narrated by Muslim (1598). 

Secondly: 

Part of repentance is getting rid of the interest that you
are paying to the bank. If this interest can be waived in full or in part,
then you should hasten to pay the instalments even if that means selling
your house. But if you are obliged to pay the interest and you cannot get
out of it or reduce it, there is no sin if you make use of the house, either
by living in it or by renting it out, etc. 

We ask Allaah to accept your repentance and help you to do
that which He loves and which pleases Him. 

And Allaah knows best.

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