Is it Islamically permissible to purchase a house through usurious bank loans that require life insurance, or through Islamic banks with high markups, given the unavailability of any other method to own a house, and the inability to provide a down payment or repay debt installments to relatives?

Usury is unequivocally forbidden, having been prohibited by Allah and His Messenger. However, if necessity compels someone to engage in it, it is permitted for them. Necessity is defined as the point where a person, if they do not consume what is forbidden, will perish or come close to perishing. Not every form of necessity falls under the category of dire necessity (ḍarūra). Actions such as extravagance at wedding celebrations, buying a car, or building a house are not considered true necessities.

Borrowing with usury is not permissible except in a state of dire necessity. Owning a home is not considered a necessity if it is possible to rent a dwelling or finance it through permissible means. Furthermore, one can deal with Islamic banks that offer legitimate solutions.