What is the ruling on taking an advance from a company, to be repaid with a 5% increase, to be returned after retirement?

The fundamental principle is that the borrower repays what he took without any increase. If an increase is stipulated for the benefit of the lender, it is not permissible because it is a stratagem for usury. There is a consensus among jurists that stipulating an increase in a loan invalidates the contract and constitutes usury. The company, by stipulating a 5% increase on the loan, intends to benefit from the returns of those amounts by investing them, and this is a deceptive maneuver to gain a benefit from the loan, which is usury. Therefore, it is not permissible to take this advance under this condition.