What is the ruling on refinancing from the bank on condition of settling the previous financing and disbursing the remaining amount of the financing?

Refinancing that involves extending the term of the first debt in exchange for a financial increase benefiting the bank is prohibited, because it constitutes a reversal of the prohibited debt, whether the debtor is in financial straits or affluent. However, if the refinancing is merely the client obtaining new cash financing to pay off his first debt, without that being a pretext for usury of delay (riba al-nasi'ah), then there is no harm in it.