Is the real estate loan provided by the Kurdistan Regional Government of Iraq, for which it obligates the payment of service fees and life insurance, permissible or forbidden, given the absence of other alternatives?

The actual fees for a loan, specified in exchange for services rendered, are permissible by Islamic law and are not considered forbidden usury (riba). They are akin to a wage for the services provided. This differs from an increase beyond the actual services, which would be considered usury. Furthermore, stipulating insurance on a loan is permissible if it is cooperative, but if it is commercial, then it is not allowed. In cases of necessity, necessities permit the forbidden. It is permissible to follow the fatwas issued by trustworthy religious scholars.