Is it permissible for a creditor to stipulate that the borrower paying in installments is responsible for the zakah?

Question:
I say: Honorable Shaykh, may Allah grant you success. A man borrowed a sum of money from another man, with the condition that he would repay it in installments over five years. Is it permissible for the creditor to stipulate that the zakah is the responsibility of the borrower?

Answer:
No. A loan is not deferred; it has no fixed term and is not deferred, nor is deferral required. Rather, whenever the borrower is able to return the loan, he returns it, whether after a day or after an hour. So there is no deferral of the loan; there is no deferral. And it is not permissible for him to stipulate. The lender stipulates that the zakah of the loan is upon the lender. The lender is not permitted to stipulate that the zakah is upon the borrower, because this is riba (usury or interest). This is considered riba.