The Ruling on a Loan with a Conditioned Increase

Question:
May Allah reward you. We are taking a call from Ali in Riyadh. Go ahead, Ali. Ali. Peace be upon you and Allah's mercy. And upon you peace and Allah's mercy. May Allah have mercy on you. I would like to ask the Honorable Shaykh, may Allah preserve you. I took a loan from the bank. I want this loan and the amount added to it, which is about four thousand or six thousand. Is this considered riba (usury or interest) or not? Okay, thank you.

Answer:
Yes, a loan that involves an increase is riba. The good loan is one where you repay the loan in the same amount and do not add to it. If the increase is conditioned, then this is explicit riba. Every loan that brings a benefit is riba, and the scholars have reached consensus on this. As for the good loan, it is one intended for reward and recompense, with no condition of an increase. This is the good loan.