Is withdrawing an end-of-service account with a 5% deduction from the amount for file expenses, and returning it to the company within 36 months without interest, considered usury?

What the questioner referred to as "file expenses," if it is a true fee for an actual service related to the loan, then it is not usurious interest. However, if it is not linked to real administrative efforts and expenses, then it is forbidden usury. The resolution of the Islamic Fiqh Academy in its third session stipulated the permissibility of charging fees for loan services, provided that they are within the limits of actual expenses. Any increase beyond the actual services is forbidden because it is usury.