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What do you call a person who achieves lots of money without working, just sitting at home lending people money with the agreement that they will pay him/her back a very much larger amount of money in a specific time in a written or verbal agreement?

Meanwhile, how shall I allude to such action in normal English? (Please note that aside from a true person, a legal entity like: banks, government related organizations etc. can do the same thing.)
Does it sound natural to say: "They offer usury"?

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Formally a "usurer", more colloquially a "loan shark". These terms imply illegal or at least highly immoral actions. "Usuary" has a religious connotation, and is not often seen outside of that context. Traditionally Christians were forbidden by their religion to charge interest on a loan. You could use "moneylender" with less explicit negative meaning.

As a verb, or at least a gerund, you can use "loansharking".

If you want to suggest something positive: "Venture capitalist" or "investor" are positive

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  • Excellent. Just not to be forgotten @James K, please tell me about the plausible verb of this sense too. :)
    – A-friend
    Commented May 21, 2019 at 8:45
  • I can think of a few others, but I suspect that I might get in trouble for posting ethnic slurs if I posted them.
    – nick012000
    Commented May 21, 2019 at 10:22
  • It would not be you getting into trouble, it would be the poor learner who might use the term unaware.
    – James K
    Commented May 21, 2019 at 12:14
  • Thank you @nick012000 and JamesK. I didin't get the point unfortunately. Is there something wrong with the terms ethnically. Do they aound strange in some cultures? Are they considered as too religious terms that we should avoid using them? Please explain that to me.
    – A-friend
    Commented May 22, 2019 at 7:06
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    @A-friend The terms that James K offered were fine. The terms I was thinking of were things like “jewing”, “kiking”, and “gyping”, none of which should be used carelessly because they’re ethnic slurs against the Jewish and Romani (gypsy) peoples.
    – nick012000
    Commented May 22, 2019 at 9:39

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