عنوان مقاله [English]
نویسنده [English]چکیده [English]
Usury contract in juridical and legal texts as well as in banking regulations has been written based on the precedent. The usury of legal texts means a contract that the seller notifies the client on the actual cost of goods including the purchase price, the costs of transport etc., and then applies the additional amount or percentage of the as a profit. The usury contract is attributed to the traditions that reflect its legitimacy. The usury contract’s entry into banking area is documented on the Fifth Development Plan and as a result of this law; this contract was entered into interest-free banking law and then in Article 81 at the third season of free-interest banking-operation bylaw it was defined: the usury is a contract whereby the supplier notifies the costumers the actual cost of the property and services and then by adding an additional amount or percentage as profit, gives them to the customers which will be paid in one of ways including cash settlement or batch or installment whether equal or unequal at maturity or certain maturities. In practice, the product bank purchases the product or commodity intended by the applicant of facilities from either manufacturer or seller; if reaching an agreement, the bank sells the product to the facilities applicant in certain price including the purchase price plus other costs and profits of the bank. The usury contract is put in practice at the bank or by card or no card. Existing limits against other banking facilities make this contract as the banking facilities. The profit of usury contract is justified in terms of canonical and business, in the banking system.