Is it permissible to purchase “Adl” housing units in Algeria, for which 10% of the apartment price is paid, then 5% upon receiving the keys, and 5% upon signing the preliminary contract, with the remaining price paid through rent until the final contract (ownership contract) is signed? And is it permissible to purchase them out of necessity if the contract is not permissible?

The questioner has already received an answer in a previous fatwa. The additional details provided are insufficient to rule on the permissibility of a lease-to-own contract. He can review the contract and determine the extent to which it conforms to permissible or prohibited forms. As for the permissibility of the contract due to necessity, owning a home is not a necessity that permits usury as long as renting is available, unless the rent is extremely exorbitant such that there is not enough left for essential expenses.