Is it permissible to take a loan from an interest-based bank with specific fees, based on a previous fatwa of yours, and what is the reason for the apparent contradiction with other fatwas?

The fatwa clarifies that the lending entity is the state, not the bank, and that the fees taken by the bank are administrative expenses, not usurious interest. Genuine administrative expenses are distinguished by being fixed fees for a service, not changing with the loan amount, unlike interest, which is a percentage of the loan amount. Any increase beyond the actual services rendered is considered forbidden usury (riba).