Heter Iska of Our Teacher, the Gaon Rabbi Fried, shlita

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Question

To Rabbi Yisrael Cohen, a follow-up question regarding Heter Iska - 1. I would appreciate receiving the text of Rabbi Fried's Heter Iska. 2. I did not understand how my second question is related to the text of the Heter Iska. Even if it is not possible to include the delayed payments in the transaction, why can't the depositor determine that the refund is attributed to the accumulated debt payments and not as a return of the principal?

Answer

Shalom Rav,

A. I do not find a way to attach the text to this answer, I will send it to you privately.

B. Since the money is given as a principal payment, it cannot later be changed to be considered as an interest payment. However, according to the text of our teacher, shlita, the interest also becomes part of the transaction, and the depositor is also entitled to interest on them.

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