Is the inability to own a home in my country after years of working abroad, and the inability to afford one, considered a legitimate excuse in Islamic law to resort to prohibited financing (organized tawarruq) to obtain a down payment for an apartment?

Wealth and poverty differ according to circumstances and individuals, and the criterion is not whether one owns the price of a dwelling or not. The transaction with the aforementioned bank through organized Tawarruq (monetization) is religiously forbidden, and circumstances are not an excuse that permits what is forbidden. The resolution of the Islamic Fiqh Academy has stipulated the impermissibility of this type of Tawarruq because it resembles the forbidden 'Inah (buy-back sale) and leads to a breach of the conditions of legitimate possession, and it is based on granting cash financing with an increase through fictitious transactions. Legitimate and permissible real Tawarruq is different from this. The Academy recommends avoiding forbidden transactions and seeking legitimate and available alternatives.