What is the ruling on dealing with a real estate financing company that buys a house in cash, then sells it with a Murabaha (cost-plus) markup at a higher price with fixed installments, imposes late payment fees, registers the house directly in the buyer's name, and sometimes uses usurious funds?

It is not a condition that the house be registered in the bank's name in a Murabaha sale. Rather, it is a condition that it enters into the bank's ownership and guarantee before being sold to the purchaser. As for the condition of paying a certain amount upon delay in payment, it is a forbidden and void condition according to the consensus of the Islamic Fiqh Academy, because it is usury of Jahiliyyah (the pre-Islamic era). Consequently, the contract is impermissible if it includes this condition.