What is the ruling on borrowing 200,0 Saudi riyals for a project that only costs 20,0 Saudi riyals, out of fear of loss?

If the lending institution stipulates that the amount of the loan must be equivalent to the actual cost of the project, then their condition must be adhered to. It is forbidden to deceive them, based on the Prophet's (peace be upon him) sayings: "Muslims are bound by their conditions," and "Whoever cheats us is not one of us." Therefore, if the project cost is less than what was requested, the institution must be informed of the truth of the matter. If they permit it, then it is permissible; otherwise, their right must be returned.