Is it permissible to deal with an Islamic bank that sets a variable profit rate after ten years and refuses to fix the installment, knowing that its cost is higher than that of conventional banks?

If the bank purchases the house and then sells it to the customer at a profit, this is a permissible Murabaha sale, subject to certain conditions: the bank must own the house before selling it, no down payment should be taken from the customer during the 'promise' stage, and the contract must be free from any usurious conditions or conditions that contradict its essence. For the sale to be valid, the price must be known at the time of the contract. Therefore, selling with a variable profit is not permissible. The Islamic Fiqh Academy issued a resolution prohibiting sales with a variable profit due to the ambiguity of the price and the suspicion of usury.