Exegesis of the saying of Allah the Exalted: “And if you repent, then yours are your principal amounts”
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Question:
Honorable Shaykh, may Allah grant you success. A questioner says: A person took a riba (usury or interest) loan from a bank to buy a house, then repented afterward. Does this verse apply to him?[Al-Baqarah 2:279]
Answer:
No. This is for the one who has accumulated money from riba and repents to Allah the Exalted. He repents to Allah, and he has riba debts owed to him by people. He has riba debts owed to him by people. “And if you repent, then yours are your principal amounts.” Leave the profit and take your principal. Take your principal and leave the riba profit.[Al-Baqarah 2:279] Yes.
Honorable Shaykh, may Allah grant you success. A questioner says: A person took a riba (usury or interest) loan from a bank to buy a house, then repented afterward. Does this verse apply to him?
But if you repent, you may have your principal
وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَالِكُمْAnswer:
No. This is for the one who has accumulated money from riba and repents to Allah the Exalted. He repents to Allah, and he has riba debts owed to him by people. He has riba debts owed to him by people. “And if you repent, then yours are your principal amounts.” Leave the profit and take your principal. Take your principal and leave the riba profit.
you may have your principal - [thus] you do no wrong, nor are you wronged.
فَلَكُمْ رُءُوسُ أَمْوَالِكُمْ لَا تَظْلِمُونَ وَلَا تُظْلَمُونَ
Source
شرح إغاثة اللهفان من مصائد الشيطان لابن القيم، فصل وقد أخبر - صلى لله عليه وسلم - أن طائفة من أمته تستحل الربا باسم البيع — islamhouse.com (54:10)
The Arabic text is a machine transcription of the audio recording.