Is the loan provided by the bank for developmental projects permissible or impermissible, given that the bank deducts an amount for administrative expenses and requests life insurance documents for the borrower, and insurance for the building and against fire?

Administrative expenses taken by the bank once, if they equal the actual fees for the loan transaction and are considered wages for employees, are not considered usury (riba). The Fiqh Academy has stipulated that lump-sum fees not linked to the loan amount or its duration, charged in exchange for this service, are not considered usurious interest. However, any increase beyond the actual services is considered usury. If the fees taken from the borrower exceed the actual administrative expenses and are considered usurious interest, then the transaction is prohibited. The difference between usurious interest and service fees can be distinguished by the fact that interest changes with the amount, while service fees are fixed and proportionate to the service.