The Difference Between a Benevolent Loan and a Riba Loan

Question:
Please, my brother Abu 'Abd al-Rahman, come on to the line with us. Please. Peace be upon you and Allah's mercy. And upon you be peace and mercy. Peace be upon you and Allah's mercy and blessings. And upon you be peace and Allah's mercy and blessings. May Allah keep you in good health. Please, state your question. Shaykh, if you please, I have a question regarding bank loans. Now, the salary loan is deposited into this bank or that bank, which offers loans or advances on the basis that it takes a certain amount from the salary, and they give us an amount and they take a specific amount from this salary.

Answer:
The loan, my brother, a benevolent loan means that one gives you money to benefit from, and then you return to him its equivalent without any increase. However, if the bank or anyone else takes an increase on the loan, or conditions an increase on the loan, then this is riba (usury or interest). The Prophet (peace and blessings be upon him) said: And the scholars have agreed that a conditioned increase on a loan is riba, explicit riba, and may Allah protect us from it. Yes.