Is it religiously permissible to exempt deceased individuals from real estate, agricultural, or credit bank loans they took from the state, whether those who refrained from repayment during their lifetime or their heirs, as well as those who were repaying according to annual installments until their death? And is it religiously permissible to obtain a percentage of exemption from the loan for the Real Estate Development Fund when repaying according to the annual schedule or repaying before the due date (i.e., exemption from 20% or 30% of the total loan amount)?

It is permissible to exempt the deceased from their debt and absolve them of it, if this is done by someone who has the right to dispose of it, and it is something encouraged by Islamic law. However, a living debtor asking their creditor to exempt them from part of the debt in exchange for prompt payment (i.e., 'reduce and expedite') is not permissible according to the majority of jurists. If the debtor dies, the debt becomes due upon their death, even if it was deferred. There is no basis for reducing a part of it in exchange for expediting it, because it has already become due. However, if the creditor agrees to waive a part of it, there is no harm in that, and the deceased's obligation is cleared.