Is it permissible to take a housing loan from a bank that grants loans for a 0.5% service fee, disbursed for employee salaries, stationery, and other expenses, provided that the borrower repays 34,500 dinars for a loan worth 30,0 dinars over sixty years?

Banks that lend money to people and take an increment on the principal upon repayment are considered usurious (riba). However, if the lender (bank or person) stipulates a specific increment to cover the costs of delivering and recovering the money, and this increment does not result in any personal benefit for the lender, then there is no harm in it. The jurists have stipulated that the cost of measuring and weighing for the purpose of receiving the loan (from the borrower) is borne by the borrower, because the lender is performing an act of kindness.