Is it permissible to consider the bank interest when purchasing a house in installments as equivalent to rent for using the house, and thus not usury, especially if the bank repossesses the house upon failure to pay?

Usury (Riba) is one of the gravest forbidden acts, and its ruling does not change based on whether the borrower benefits from the loan for food and drink, or for housing, trade, or industry. None of the exegetes or jurists have stated that prohibited usury is restricted to the poor and needy, or to consumer usury without exploitative usury. Rather, the evidence establishes the prohibition of both consumer and exploitative usury.