Is the advance provided by the bank to employees with a fixed, low interest rate, where the remaining debt is waived upon the borrower's death, considered a usurious loan or assistance, and is it permissible for me to obtain it?

If the loan is repaid with an additional amount stipulated in the contract, it is prohibited usury (riba), whether the increase is large or small. Any increase in a loan, or any benefit accrued by the lender, is prohibited usury if it is stipulated as a condition.

However, if the loan is non-usurious, and the borrower does not pay more than the loan amount except for the actual fees required to process the loan, then this is permissible. It is permissible for the lending institution to charge for loan services an amount equivalent to its actual direct expenses. It is not permissible for it to charge any excess amount, because any increase beyond the actual expenses is prohibited. Precision must be exercised in determining the actual expenses so that it does not lead to an increase that amounts to interest.