Ruling on granting a debtor a deferral when the due date arrives with an increase in the debt

Finally, he asks: What is the ruling if a person borrows money for one or two years, and then the payment becomes due but he is unable to pay, so he says to the owner of the money: "Record it for me under the same previous agreement for another one or two years"?
Answer: If he intends by this, meaning by the increase, it is not permissible; because it is obligatory to grant him a deferral. So if, for example, ten thousand riyals became due on him, but he was unable to pay, and he said: "Record it for me for two years or more, with an increase of one thousand or two thousand," this is riba and is not permissible.
The presenter: He says: with the same previous profit, meaning with another profit like the previous profit.
The Shaykh: This is not permissible, no, it is not permissible. But if the meaning of "record it for me" is: "give me more time," then there is nothing wrong with this, whether he gives him a year or more or less. This is obligatory, by the saying of Allah the Exalted: [al-Baqarah: 280]. But if "record it for me" means: with an increase, with profit, this is... this is the riba of the pre-Islamic age of ignorance, and it is not permissible. Yes.
The presenter: May Allah reward you.