The ruling on a lender requiring a borrower to pledge his house as collateral

Question : If someone were to say: What if the lender conditions the loan on a pledge and says, “I will not lend to you until you pledge your house to me,” and the borrower does so, is the loan valid?

Answer : Yes. Yes, it is valid. Do not assume that this is a loan that yields a benefit, because the lender has not benefited from anything. The most that happens is that he secured his money with the pledge. But if the borrower repays in full, what will he repay? He will repay what was lent to him without any increase.