What is the ruling on loans issued by banks or by the state for construction, if their value is thirty thousand and forty-four thousand is repaid over a period of ten years, and what is the ruling in all cases if the borrower lives in an unhealthy and unsuitable house?

If the bank or the state buys building materials and then sells them for more than their current market value, there is no objection to that. However, if the entity lends money to be returned with an increase, then this is explicit and forbidden usury (riba), and it is not permissible to undertake it except in cases of extreme necessity.