Is it permissible to take out a loan from a bank to avoid losing the down payment after a flat financing transaction has fallen through?

Borrowing with usury is Islamically forbidden, and it is not permissible for a Muslim to undertake it for building a house or for any other purpose, except in cases of dire necessity, which is defined as the individual having no shelter or being unable to obtain it through legitimate means like renting. The Islamic Research Academy has unanimously affirmed the prohibition of borrowing and lending with usury, based on the principle that merely paying an amount to reserve an apartment does not constitute a necessity that permits a usurious loan. It is advised to stay away from usury, for whoever abandons something for the sake of Allah, Allah will compensate him with something better.