Charging Interest: Loans or Borrowed Items

Prohibitions of charging interest (ribit) apply only to loans of money or a commodity (halva'a), not to borrowed items (she'eila):
1.  Loan/Halva'a   
You do not get back the exact item you loaned but, rather, some equivalent of the original, such as money. The borrower may not give back more than he/she borrowed and the recipient may not accept more. Even saying “thanks” is considered to be a form of interest.
2.  Borrowed Items/She'eila 
The original item is returned to the loaner (for example, borrowing a car), and there is no prohibition of paying more than what was originally received.
 
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