Is it permissible to take a loan without interest from a bank, knowing that there is a clause in the forms stating that interest will be deducted in case of a delay in salary, despite the bank manager's assurance that this interest has been canceled and that the promissory note does not include any increase?

It is forbidden for government and private sector employees to transfer their salaries to usurious banks, as this constitutes assistance in usurious transactions. The gifts and prizes offered by banks to those who transfer their salaries to them are considered usury, because the relationship between the depositor and the bank is a loan, and every loan that brings a benefit is usury. If an employee is compelled to transfer their salary, they may do so on the condition that they withdraw it immediately. It is permissible for an employee to take a qard hasan (interest-free loan) from usurious banks if they have no other option for salary transfer, though it is preferable to avoid this.