What is the ruling on taking out a housing loan with interest that is considered fees and stamp duty, given the unavailability of interest-free loans, and what is the way for young people to achieve housing independence if these transactions are usurious?

It is not permissible to take a loan in the described manner because it is an interest-based (usurious) loan. It appears that the mentioned interest is in exchange for the loan, and not for fees or stamp duty. If it were for fees or stamp duty, why would it be linked to a percentage of the loan amount? It is known that while stamp duty may be linked to the loan amount, fees are not. Patience in not marrying is easier than engaging in usury, which is considered one of the greatest major sins and puts its perpetrator at war with Allah the Almighty. He who resorts to taking usury under the pretext of the necessity of chastity and fear of falling into the forbidden is like one who seeks refuge from the scorching heat in fire. The legitimate alternative is to ask an Islamic bank to sell you a house through an Islamic murabahah (cost-plus financing) contract.