What is the ruling on purchasing a house via Murabaha from Tunisia's Zitouna Islamic Bank, given the following conditions: the imposition of 20 dinars after a 5-day grace period for each delay in payment, which the bank does not benefit from; the imposition of commercial life and home insurance due to the absence of Takaful insurance; and the bank authorizing the client to purchase the house in the bank's name?

The aforementioned transaction is forbidden, and it is not permissible to enter into it, as it involves forbidden usury, represented by the acknowledgment of paying an increase in case of delayed payment. In addition, it mandates forbidden commercial life insurance. The bank's authorization of the buyer to purchase is merely a cover for usury, for in contracts, what matters are their meanings, not their wordings. Allah Almighty says: "But Allah has permitted trade and forbidden interest."