What is the ruling of Islamic law on rescheduling loans with banks, if the bank imposes a new loan, a new commission, and increases the loan term and the amount due, without the client receiving any new money?

It is forbidden to convert a debt by increasing the debt in exchange for extending the term. This includes the bank selling a new commodity to the debtor at a profit to settle the installments of the first transaction, which leads to an increase in both the debt and the term. Imam Malik and the scholars have warned against the impermissibility of this transaction, which resembles the usury of the pre-Islamic era (riba al-Jahiliyya). Resolutions have been issued by the Islamic Fiqh Council and the International Islamic Fiqh Academy prohibiting anything that leads to an increase in the debt upon the debtor in exchange for an extension of the term, whether the debtor is solvent or insolvent, and whether the debt is immediate or deferred. It is not permissible to postpone the due date of a debt in exchange for an increase in its amount. Dr. Abdul Rahman Al-Atram and Yusuf Al-Shubaili affirm that what some Islamic banks do in renewing debt with an increase in exchange for installments, under various names, is a trick to convert the debt and is an impermissible form of usury in Islamic law.