What is the ruling on fees imposed for early repayment of an old loan? Are administrative fees added to the value of a new loan considered usurious, and what must the questioner do if they are?

Firstly: Reducing a debt in exchange for accelerated payment is called "da' wa ta'ajjal" (forgive and hasten). This is forbidden by the majority of scholars, but some jurists and the Islamic Fiqh Academy have permitted it, provided there is no prior agreement.

Secondly: If the loan is interest-based (ribawi), it should be repaid promptly, even if it involves paying an early repayment penalty, as long as this penalty is less than the usurious interest. This is considered a means to get rid of the interest-based loan.

Thirdly: It is permissible to charge administrative fees for a loan or Murabaha, provided that these fees do not exceed the actual cost of the services rendered, and do not increase with an increase in the amount or the duration.