Is it permissible to take out another loan from the Islamic bank for an amount greater than the cost of the commodity in order to pay off the first loan?

Informing the bank of an unreal price in a Murabaha sale is impermissible, as it involves deceiving the bank and constitutes usury (riba). This is because any amount exceeding the actual price of the land is considered a loan to the client, and the bank earns profit on it, thus becoming prohibited usury.