Is it permissible to reschedule a loan with a lower interest rate, while paying the bank 200 dinars, and increasing the loan amount to buy a larger family car?

Borrowing with usury (riba) is Islamically forbidden and considered among the major sins. It is not permissible except in cases of necessity recognized by Islamic law. Whoever repents from borrowing with usury should repay the principal amount without the interest, if possible. Restructuring a loan is permissible provided there is no increase in the original amount. However, increasing a usurious loan or taking a new loan to buy a car is not permissible, as buying a car is not one of the necessities that would permit usury.