Bulugh al-Maram 1488

This Hadīth states that it is impermissible for any of the Muslim Mujāhids to wear a garment from the spoils of war until that garment is worn out and then returns it. Likewise, it is impermissible for a Muslim Mujāhid to ride a mount belonging to the spoils of war until he emaciates it and then returns it to the spoils. This behavior is forbidden because it harms the other fighters entitled to a share in the spoils.

Nevertheless, it is not sinful to ride a mount without emaciating it, or wear a garment without damaging it. For example, one may use a mount to return home or to distance himself from the enemy and then return it, or to wear a garment to conceal his ‘Awrah or to keep himself warm and then return it. Rather, in such a case, he must return them to the spoils of war after using them for those purposes in order to be absolved of liability in this world and in the Hereafter.