What is the ruling on borrowing from banks with a fixed and non-compound interest for the purpose of building a house, where the amount is 30,0 dinars to be repaid as 34,0 dinars, and the difference is considered banking services for the borrowing services?

It is not permissible to borrow with interest from banks or any other entity, whether for the purpose of building a house or anything else, regardless of whether the interest is small or large. The bank's designation of interest as "banking services" does not change the reality that it is a usurious transaction. A Muslim must beware of usury and its dire consequences in this world and the hereafter, because a usurer is at war with Allah and deserving of a curse, in accordance with the Almighty's saying: ﴿O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. And if you do not, then be informed of a war [against you] from Allah and His Messenger.﴾ [Al-Baqarah: 278-279], and the Hadith: "The one who consumes Riba, the one who pays it, the one who writes it down, and the two who witness it." He said: "They are all equal." Narrated by Muslim.