Is a construction loan, in which shares of a construction company are purchased by the bank for a certain value, and then sold by the bank to the borrower with a 5% increase, considered permissible or usury (riba)?

The description of the transaction is ambiguous. However, if the bank first buys the shares for itself, then authorizes the buyer to purchase them on its behalf, and after they enter into the bank's possession and guarantee, it sells them to the one who ordered the purchase at a profit, then there is no objection to this transaction, provided the shares are permissible. Nevertheless, it is better for the bank not to authorize the buyer for the purchase. However, if the transaction is merely the bank paying the price of the share on behalf of the customer and then recovering it with an increase, this is usury (riba).