What is the ruling on purchasing an apartment under the ownership system from a government agency, if the payment of its price is made with a down payment, another upon receipt, and then the remainder is paid in installments over 20 years with an annual increase, through a government bank?
Purchasing the apartment in the manner described is not permissible, because the bank pays the installments and stipulates that the buyer repays an annual increase in return for the loan, and this is unanimously prohibited.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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