What is the ruling of Sharia on taking a loan from a real estate bank to complete the construction of a house, knowing that the bank will take 1% as banking service fees?

It is permissible for a real estate bank to take a one-time lump sum percentage in exchange for its services and expenses, provided that it does not exceed the actual value of the service, and that extreme caution is exercised to avoid exceeding the average cost of the service. However, if the percentage is not a lump sum and increases with the duration, or if the bank stipulates an increase in case of late payment, then this is explicit and forbidden usury (riba).