Is it permissible to borrow from the bank in this manner, where 5,000 dinars are deducted as loan fees from an original 30,000 dinars, with only 25,000 dinars being delivered, and is there a Sharia-compliant excuse that permits such borrowing due to the need for housing?

The first option in this case is to seek a benevolent loan (qard hasan (definition)) or to purchase a dwelling in installments, because the bank's system might be a deceptive one. Banks call the amounts they take "loan expenses" or "administrative fees," and these are permissible if they are fixed and do not increase with the increase of the loan. The deception appears when the percentage exceeds 15%.

In some countries, there is a system that prohibits the rental of state-owned dwellings. However, regarding other properties owned by citizens, there is ample room to avoid borrowing from the bank.