What is the ruling of Islamic law regarding someone who deals with an interest-based bank through deception, by obtaining an interest-based loan for building a house or getting married, and then does not repay it in full, claiming it is an interest-based loan?

Whoever borrows with interest and intends not to repay commits two grave sins: the first is borrowing with interest (riba), and the second is taking people's money with the intention of not returning it. He must repent to Allah and return the principal amount of the debt to the bank without the interest, unless he finds no alternative but to pay it.