Are non-financial benefits included in the saying of the Prophet (peace and blessings be upon him): “Every loan that brings a benefit is riba (usury or interest)”?
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Question:
The hadith, O Shaykh: “Every loan that brings a benefit is riba (usury or interest),” does this apply generally to any benefit for the lender?
Answer:
Any benefit for the lender, whether that benefit is financial or non-financial, even non-financial benefits are included in this. If she says, “On the condition that you let me live in your house, or that you let me ride your animal, or that I ride in your car,” I will lend you money, but you give me this house and this car to benefit from, then this is an increase in the loan, which is not permissible. Yes.
The hadith, O Shaykh: “Every loan that brings a benefit is riba (usury or interest),” does this apply generally to any benefit for the lender?
Answer:
Any benefit for the lender, whether that benefit is financial or non-financial, even non-financial benefits are included in this. If she says, “On the condition that you let me live in your house, or that you let me ride your animal, or that I ride in your car,” I will lend you money, but you give me this house and this car to benefit from, then this is an increase in the loan, which is not permissible. Yes.
Source
قناة «العلامة الدكتور صالح الفوزان»، 5158- هل المنافع غير المالية داخلة في قوله ﷺ «كل قرض جر نفعًا فهو ربا» - الشيخ صالح الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.