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Istifta'at (Categorization by subject:Usury laws)

1- Keeping in view the Iranian banking system and the interest payment policy in place, is such a method of payment of interest haram or halal? That is because according to Shari’ah standards, the amount of interest paid by the bank should not be fixed and it should be a portion of the entire interest whereas, in fact, the amount of interest in the banking system is fixed. 2- If I lend someone some money according to the terms and conditions of Iranian banks and receive 22 or 23 percent interest on the lent amount, is my income halal or haram?
Basijiyan Fund has announced that whoever deposits five million Tumans for five months in his account with the Fund, he will be given five million Tumans as loan. Now the question is: What should we do to avoid usury?

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