What is the ruling on government banks taking a fixed amount as banking fees when granting a loan to citizens in Iraq?

The lending entity is not permitted to take an increase on the loan or deduct a portion of its value, as this is usury (riba), which is forbidden. However, it is permissible for the entity to take actual expenses for the loan, such as wages for workers and employees, provided these are specified and are commensurate with the actual costs of the services rendered, not as a percentage of the loan value or its repayment period. Any increase beyond the actual expenses is considered usury.