What is the ruling on paying transaction fees and life insurance premiums as part of real estate loan transactions in the Kurdistan Region of Iraq?

Usurious loans are those that bring a benefit to their owners, and some institutions resort to stratagems to take this usurious increase through administrative fees. The prohibition of these fees is realized if their value exceeds the actual services, or if the value increases with the increase in duration or amount. If these conditions are met, the loan becomes usurious. As for commercial insurance contracts, all of them are forbidden due to their inclusion of gambling and gharar (definition) (excessive uncertainty). Therefore, it is not permissible to take these loans due to the presence of what makes them usurious.