What is the ruling on taking a loan to purchase a house through an Ijara (leasing) arrangement from a non-Islamic bank, where the bank participates in buying the house and leases its share in exchange for installments that include the bank's profit from the rent, with the condition of insuring the house with them?

This transaction is impermissible for two reasons: First, it is a loan that draws a benefit, which is usury (riba), as the bank lends an amount and takes a monthly rent for it, even though the house has become the property of the borrower. Second, the contract includes impermissible insurance. Furthermore, since the bank is not Islamic, it is best to avoid it.