On the other hand, if a man needs his house for the accommodation of his family, or to use its rent for maintaining his dependents, he need not sell it. If he has something in excess of his needs, he should sell it to meet the expenses of pilgrimage. On the other hand, a person is not required to decrease the level of his stock in his business if that will mean a decrease in his regular income. If he has tools which he needs for his work, he need not sell them. But if he does not particularly need them, then he should sell them.
Debt is another point of consideration.
The normal situation is that a debtor need not offer the pilgrimage until he has settled his debts. However, if he has bought a car on installments and his regular income makes him perfectly able to pay each installment on time until he clears the debt, and yet he has enough money to meet the pilgrimage expenses, he should do the pilgrimage.