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Should Christians Take Loans

Bearing in mind Romans 13:8, what does one call a born-again Christian with a mortgage?

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 ---Al on 9/2/09
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Should or should they not is up to the person and their situation at the time. Perhaps they see no other way than to borrow. As Paul said "Lt every man work out his own salvation." I take this to mean his own personal business too. As Jesus said "Judge no man."
---Barbara on 8/31/14

lidia, we have been thru lots too. at one time in my life I couldn't afford lipstick and it was 15 cents plus 2 cents federal tax. so my sister in law bought me a tube and my little girl found it before I woke and had it all over her face, hands and bed. I was not real happy about that.
---shira4368 on 9/7/13

Hello,It came to mind,how I had to go
thru a hard time,all fault my own way in debt. I say with love, the worry was
worse than the cure.. the Lord did not
respond like many of us have been taught a financial out pouring,NOT that He can't but point is times, he wants us to learn responsibility like
a parent ,yes! I got through it! I had to learn, worry does not help but hinder
Be back with my verses! God be lifted up! In Jesus name.amen.
---Lidia4796 on 9/7/13

Pt.2 verses re: debt /Deu.28:1 ,12. Basic lesson, Not have to borrow.
Pro.22:17,borrow,be a way out ,yet learn - force us grow in our faith!
Ps.37:21a sin not to repay. Ph.4:19
Pro.11:15 Complicated subject.
I believe don't get in debt. If you can help it! I have learn a valuable lesson.
Thankyou,Jesus. You kept a roof over my head. Lesson learned.
---Lidia4796 on 9/7/13

Also please read & meditate on Deut.28:12.
---Adetunji on 11/25/09

Romans 13:8 does apply to us as Christians. But sometimes we have no choice but to borrow(loans). If your intentions are right and need to borrow.I say go head, but be careful and make sure you can repay, in a timely manner. Too many bills and debts are stressful and taxing on our spirits. We cannot properly serve God and do His "will"
burdened with stress we cannot handle.We should learn to live within our means,avoid credit cards and anything which requires huge interest rates and so forth. Learn to save for what we need,be better stewards of our money and time,according to the will of God.
---Robyn on 9/21/09

Romans 13:8
Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law.

Prov 22:7
The rich ruleth over the poor, and the
borrower is servant to the lender.

I would say God prefers us not be in debt. At times it may be necessary. Necessity may be a house. but it is not a large screen TV, a BMW, a golf club or gym membership... one can watch a smaller TV, drive a Ford and run in the park. Few Americans live within their means.
---Donna66 on 9/20/09

God does not want us to borrow(HE is our sufficiency, HE lacks nothing). When a Christian goes to borrow, it might mean impatience on his part or ommission of an instruction of God along his way. God may sometime cause us to pass through some hardships(examination) to lead us to a higher level. Except God instructs you to go & borrow(Exodus 11:2), do not do it.
---Adetunji on 9/20/09

Sometimes going into debt could be necessary. A necessary evil,so to speak. If we can make timely payments and are not just in debt through greediness and covetousness, then it is ok to do so. The bible does not condone or forbid debt. That I know of.If someone borrows or take loans out of greed and has no way of paying these loans back,this is wrong and ungodly. We ato pay our bills and any debt owed according to our means and ability. Otherwise are no better than the infidel.
---Robyn on 9/19/09

>>>>> did not buy a condo until I could pay cash, but then took out a loan for 5.75% and then bought a 20 year CD at 6.7%. I collected the extra interest + the tax deduction + I have money in case I lose my job or get sick.<<<<<<

You, Obewan, are a smart man.

Nobody could have anticipated what happened to the market. BUT you are not BROKE because of it!

I was a over-invested in stock.I lost 2/3 of my life savings (my retirement) and I'm already a senior citizen and retired!
I took some of what was left and bought a couple of small houses (for cash) when prices bottomed out. They are rentals now, but when prices go up, I'll sell them and take back the paper. I'll probably never be worth what I was, but I'll be just fine!
---Donna66 on 9/10/09

It depends on the purchase and amount of loan.

I always held to the owe no man nothing convictions. I was always told to never take a loan that can go bottom up where you owe more than you can sell out for.

I did not buy a condo until I could pay cash, but then took out a loan for 5.75% and then bought a 20 year CD at 6.7%. I collected the extra interest + the tax deduction + I have money in case I lose my job or get sick.

The only problem now is the market tanked. The condo went up from $136K to $179K and then fell to $75K in just 4 short years!
---obewan on 9/9/09

The Bible says "owe no man anything." But in purchasing a house, not many people have cash for this. So, I say make a loan with a reputable bank for your house. But do not borrow more than you can repay. And do not make loans for things not really needed.
---Sandra on 9/9/09

Depends. If the man purchased a house he can afford and that gives glory to God rather than himself he would be a wise man. Mortgage eventually ends while rent never does.

If the man purchased a house that stretches him, is intended to magnify him as "having arrived", or that prevents him from using his financial resources for God's purpose -- that man is foolish and living apart from God's will.

For what it's worth, with proper stewardship a home mortgage can be paid off well before the normal 30 year term. Just think how you could invest all that extra money in God's kingdom once your house is paid off!
---Michael on 9/9/09

"...Christ does not want His disciples to be property owners..." Al, 9/3

What?! :) Are you saying Jesus' friend Lazarus & his sisters (Martha & Mary) shouldn't have had a home in Bethany? What about when Jesus visited his disciple Peter's house? (Matt. 8:14) I think it's safe to call the wise man Jesus mentioned (Matt. 7:24) a christian & homeowner. What about the church that met in the "house" of Aquila & Priscilla? (1 Cor. 16:19)

ETC., ETC., ETC...
---Leon on 9/5/09

Al -- Didn't Jesus tell most of His disciples to follow him?
He didn't tell them to sell their houses! (He did pronounce a blessing for those who would leave a home on his behalf).

Al, do you have a wife or children or elderly parents living with you?
Many of the disciples did.

Renting or owning is beside the point...I have NEVER met a Christian who would take a house in place of Heaven!

If you can find any mature, sensible Christian teacher who agrees with you about owning a home, please let me know. I'm a senior citizen and have never heard THIS doctrine.

As far as being born again, that command appears time and time again, albeit in different words throughout the NT.
---Donna66 on 9/4/09

Regarding Matthew 19:21

The man was being asked to prove his claim to have kept the commandments, especially the one that says You shall love your neighbor as yourself.

Jesus put His finger on his problem when He told him to go, sell all his possessions and give to the poor, and he would then have treasure in heaven. Such mercy toward the poor would demonstrate inner righteousness.

In the New Testament, we Christians are under grace. We get our righteousness through Jesus. That's a major difference between the Old Testament and the New Testament. We need not sell all our possessions to be righteous.
---Gary on 9/4/09

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>>>Not CLEAR to me! There was ONE person He told to sell everything.<<<<
Oh the excuses, justifications, for worldly lifestyles..He told only one man named Nicodemus about being born again. do you infer that maybe the need to me born again does not apply to everyone. That is obviously an argument without substance, Being God he only needs to say it once.

Re>>>>What were the disciples doing with a house<<<< it does not suggest that they owned it, does it?

>>>Homeownership doesn't ALWAYS mean debt.Nor does it detract from Heaven.<<<< Agree on the debt issue but it is at variance with scriptures. Disobedience to instruction from our Master and Saviour does not detract from heaven? well it all depends on what heaven means to you.
---al on 9/4/09

Al >>>CLEARLY,Christ does not want His disciples to be property owners<<<<

Not CLEAR to me! There was ONE person He told to sell everything.

Where did He tell Martha and Mary to sell their house? (or maybe they were just renters)

Matthew 26:5-7 Now when Jesus was in Bethany, in the house of Simon the leper..".He told Simon to sell the house?

Mk 1:29 .."when they were come out of the synagogue, they entered into the house of Simon and Andrew, with James and John.."
what were these disciples doing with a house!?

Luke 6:48 He used the ananagy of building a house on a rock. (Guess he meant somebody else's house.)

Homeownership doesn't ALWAYS mean debt.Nor does it detract from Heaven.
---Donna66 on 9/3/09

LUKE12:24 consider the ravens, don't sow down reap God cares for them, matthew 19:21,Mark10:21,luke 18:22, sell all, give to the poor, treasure in heaven. Romans 13:8 No debt. Christians obey Christ Acts 4:34-35... for as many as were possessors of lands or houses sold them, and brought the prices of the things that were sold,and laid them down at the apostles' feet: and distribution was made unto every man according as he had need.Acts5:1-10 punnishment when a couple held back proceeds..

Clearly Christ does not want His disciples to be property owners, this place is not their home

Can Christians choose what verses do not suit their lifestyle? What sort of a testimony is it, if one makes a materialistic worldly lifestyle choice?
---Al on 9/3/09

There is nothing wrong with a Christian who has a mortgage.
But paying on a mortgage does not necessarily have to accepted because one is not "rich".

There are books galore on how to get out of debt, including mortgages. Dave Ramsey is one who has taught MANY Christians, normal working people, how to become debt free. (He has a website, books, and a course taught in Churches.) There are others. Larry Burkett is another Christian source!

Paying off a mortgage is difficult... but it can be done, if one knows how and is motivated to do it.
Once accomplished it can keep you out of debt the rest of your life. But...being in debt, though it entangles, is just a lot...
---Donna66 on 9/3/09

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A Christian with a mortgage is called a Christian.
A Christian who got a loan to study at Moody Bible Institute is called a student.
A Christian who did not pay cash for his or her home is called a homeowner and so forth.
---Larry on 9/3/09

Another possible answer to the original question:

Not rich enough to pay cash.

I was not born into wealth. Nor was my husband, when we were married.

Not to mention, a Christian with a mortgage gets to write off the interest on their taxes, thereby reducing their tax payments, legally.

Now, I have a question for you:

What do you call a Christian who seeks to criticize his brothers and sisters in Christ?

---Trish9863 on 9/2/09

A born-again Christian with a mortgage.

What do you call youself when you are aware of sin in your life?

Do you cease by your own sin to be a Christian?

Then why should the perceived shortcomings of others mean they are not Christians?
---Cluny on 9/2/09

They aren't deceived. They are just so used to being in debt all their lives, they don't consider any other possibility.

As I've said before, being set free from debt is the second best thing to being set free from sin.
---Donna66 on 9/2/09

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bearing in mind 1 Corinthians 4:11,Romans 13:8,Proverbs 22:7
are they deceived?
---kevin on 9/2/09

Normal. Why?
---Trish9863 on 9/2/09

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