The ruling on increasing a loan by way of good repayment
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Question:
Honorable Shaykh, may Allah grant you success. If I lend money to a brother of mine and then ask him for something, is this riba (usury or interest) based on the principle that every loan that brings a benefit is riba?
Answer:
Yes, riba applies between a brother and his brother. If you delay your brother in repaying and take a benefit from him, if this was a condition you stipulated with him that he would give you a benefit, then it is riba. However, if there was no condition, but he gave it to you out of good repayment and out of distress, there is no harm in that, because you did not stipulate this. The benefit stipulated in a loan is what is forbidden, whereas the benefit that comes without being forbidden, except that it is from good repayment, there is no harm in it. This is a voluntary gift from the borrower himself.
Honorable Shaykh, may Allah grant you success. If I lend money to a brother of mine and then ask him for something, is this riba (usury or interest) based on the principle that every loan that brings a benefit is riba?
Answer:
Yes, riba applies between a brother and his brother. If you delay your brother in repaying and take a benefit from him, if this was a condition you stipulated with him that he would give you a benefit, then it is riba. However, if there was no condition, but he gave it to you out of good repayment and out of distress, there is no harm in that, because you did not stipulate this. The benefit stipulated in a loan is what is forbidden, whereas the benefit that comes without being forbidden, except that it is from good repayment, there is no harm in it. This is a voluntary gift from the borrower himself.
Source
قناة «العلامة الدكتور صالح الفوزان»، 141/76 شرح زاد المستقنع/ صالح الفوزان — youtube.com (34:48)
The Arabic text is a machine transcription of the audio recording.