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از آنجا كه وامهای اعطایی از سوی بانكها با استناد به عقد جعاله انجام میشود، درحالی كه بانكها در قبال دریافت این سود 14 درصدی خدمتی انجام نمیدهند، جمعی از مراجع تقلید این وام را دچار اشكال و حرام اعلام كردهاند.