Rom.3:22 Even the righteousness of God which is by faith of Jesus Christ unto all and upon all them that believe: for there is no difference:
According to the verse, the righteousness is by "faith of Jesus Christ". This is not man's faith. This is saving faith and it is Christ's faith. This faith is given as a gift (Eph. 2:8) to those who "believe".
In other words, this faith cannot and will not be given to those who do not "believe"; but those who "believe" will be given this "gift" of "faith of Jesus Christ".
That means then that if a person wants to be saved, he has to have the "faith of Jesus Christ"; but he will never have it, not until he believes.
Now if he believes, he will be saved -- not by his own personal faith, but by the "faith of Christ".
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