How do they replace the necklace?

Mr and Mme Loisel replaced the necklace by buying a new one with the same design. The new necklace costed them 36000 francs. They had only about half the money. Mr Loisel borrowed rest of the money from usurers. They purchased the new necklace and returned it to Mme Loisel’s friend. However, their life of extreme suffering started as it was not easy for them to repay the borrowed money.