Is it permissible to take a loan from a bank with a diminishing interest rate to pay off a house debt and expand a business?

The nature of the transaction with the bank to obtain financing is not clear. If it is an interest-bearing loan, then it is usury (riba), which is impermissible. The aforementioned reasons do not make it permissible to engage in it. The Prophet (peace and blessings be upon him) cursed the one who consumes usury, the one who feeds it, its two witnesses, and its scribe, and they are all equal in sin. The doors of permissible earnings are many. Allah has promised ease after hardship, and "whoever fears Allah - He will make for him a way out and will provide for him from where he does not expect."