Is it permissible for the buyer to benefit from the surplus amount they will receive from the property owner after the completion of the purchase through the bank?

There are two scenarios for purchasing a home through a bank:

The first: The bank pays the price of the apartment on your behalf, and you repay it in installments with interest. This is a usurious and forbidden loan.

The second: The bank first purchases and owns the apartment itself, then sells it to you in installments at a higher price. This is permissible, with conditions.

Therefore, if your transaction with the bank is based on usurious financing, or if it involves an increase over the amount requested by the owner to be taken later, then it is forbidden and impermissible.