Is it permissible to pay the remaining amount of the apartment and its interest to the bank in order to receive it, knowing that the bank deducts a large percentage from the previously paid amount if it is refunded, and if the amount is not currently available, is it permissible to withdraw it with a credit card, paying 4% to the bank, in order to avoid compounded late fees exceeding 10%?

It is not permissible to deal with usurious banks, because it strengthens them in usury, unless there is a need and no other option is available, in which case it is permissible to deal with them in permissible transactions. Late payment penalties and commercial insurance do not permit continuing with a contract if it entails usurious interest. Rather, it must be terminated and the money recovered. However, if termination results in significant financial loss, it is permissible to continue with the contract out of necessity, while attempting to reduce usurious interest through legitimate means. Coercion is stipulated to involve great harm, such as killing, severe beating, prolonged imprisonment, and the taking of large sums of money. Withdrawing money with a credit card to pay a usurious bank is not permissible because it is considered a new usurious contract.