What is the ruling on taking an interest-bearing loan from an Islamic bank for the purpose of building a home for young siblings? And is this loan considered a form of "prolonged hope" (ṭūl al-amal), and will one be held accountable for it in the event of death before repayment?

Parallel Istisna' (manufacturing contract) is permissible in Islamic law. This occurs when the owner of a plot of land or a house agrees with a bank to construct a specific project, and the owner pays the price in installments. The bank then contracts with another builder to construct the project at a lower cost. A good intention does not transform something prohibited into something permissible.