Is it permissible to take out a loan from a bank to furnish the marital home if the alternative is to roof it with wood, which exposes it to damage, or to roof it with a costly installment plan that incurs exorbitant additional expenses?

Borrowing with usury is impermissible except in a case of dire necessity. The limit of necessity is when a responsible individual reaches a point where, if they do not partake of the forbidden, they will perish or come close to perishing. This also includes hardship that is ordinarily unbearable. Therefore, if a person finds housing, even for rent, or is able to build a house by installments, even if it costs more than its immediate price, or is able to build a house that meets their needs, it is not permissible for them to borrow with usury due to the absence of necessity.