What is the ruling on dealing with Dar Al-Safaa for Loans company?

For Murabaha to be permissible, three conditions must be met: the bank must genuinely own the commodity before selling it, the bank must take possession of the commodity before selling it to the customer, and the bank must not impose a penalty for late payment of installments. "Dar Al-Safa" imposes a penalty for delay, which makes its transaction usurious. If the usurious clause can be removed, then Murabaha is permissible; otherwise, it is not.