What is the meaning of (a loan that yields a benefit)?

Question:
At the end of this topic, your eminence, Shaykh Salih, asks: What is the meaning of a loan that yields a benefit? And is there a criterion by which it is known?

Answer:
The loan that yields a benefit, which the Prophet (peace and blessings be upon him) considered riba (usury or interest), is when the lender conditions upon the borrower that he return an increase in the loan. For example, he might say, "I am lending you ten on the condition that you return eleven or fifteen," an increase in the amount. Or he might condition upon him another benefit, such as saying, "I am lending you this amount on the condition that you let me live in your house, or that you give me your car to ride in to such-and-such a place, or to travel in it."
Or that you give me your farm to plant and I benefit from its fruit and cultivation until you pay it off, or something similar to these benefits. The benefit conditioned upon at the time of the contract is considered riba. However, if no benefit is conditioned upon, and he lends it for the sake of Allah, seeking thereby to make things easy for his brother, but the borrower, upon repayment, adds from his own resources without any condition, then there is nothing wrong with that. This is based on the saying of the Prophet (peace and blessings be upon him): "The best of you are those who are best in repaying their debts." The Prophet (peace and blessings be upon him) borrowed a load of camels and returned in its place the best of four-year-old camels, and he said, "The best of you are those who are best in discharging their debts." Yes.