Explanation of the Hadith: (Every loan that brings a benefit is usury) and its ruling

Question:
One of the listening brothers sent a message saying: I hope you would be kind enough to explain the following hadith: The Prophet (peace and blessings be upon him) said: Every loan that brings a benefit is usury.

Answer:
The hadith mentioned is weak according to the scholars of knowledge; it is not authentic. However, its meaning is correct according to the scholars. Its meaning is that loans that bring a benefit are prohibited by consensus. If he lends him a thousand riyals on the condition that he gives him his car to use for a month or two, or on the condition that he lives in his house, or on the condition that he gives him his land to farm until he repays the money, this is not permissible according to all scholars of knowledge. Or if he says: I lend you a thousand riyals on the condition that you repay me a thousand and one hundred, or a thousand and fifty, this is not permissible; because a loan is an act of kindness and benevolence, so no increase is permissible in it, nor is it permissible to stipulate an increase. But if he returns an increase without a condition, giving him something when he repays without a condition, there is no harm; because of the saying of the Prophet (peace and blessings be upon him): So if he borrows a hundred thousand from him, and on the day he repays him he gives him a hundred thousand and more, there is no harm without a condition and without mutual agreement. Or if he borrows a small tooth from him, and he gives him a large tooth, or borrows a young camel from him, and he gives him a two-year-old camel, there is no harm, as the Prophet (peace and blessings be upon him) did.
The point is that an increase without a condition is a matter of kindness; there is no harm in it: at the time of repayment. But as long as the loan is in his hand and he has it, he does not give him an increase, and it is not permissible for the lender to take an increase, whether stipulated, or through mutual agreement, or as long as the loan is with him, unless he counts it as part of the loan, unless there is a custom between them, and gifts between them that proceed in their usual manner. Yes.

The presenter : May Allah reward you with good.