What is the ruling on a person borrowing from an interest-based bank to buy a house and secure shelter for himself and his family? Is this considered consuming usury? And what is the ruling on someone who contributed a small sum of money with him, then demanded its current large value? Is it correct to say that the one who consumes usury is fought by Allah and His Messenger, and none of his deeds are accepted? And what should a person do if they have fallen into this and cannot get out of it due to financial circumstances?

Taking an interest-based loan is a grave sin that requires sincere repentance. It is not permissible to deposit money in interest-based banks, and deposits should be withdrawn from them. The principal amount of an interest-based loan must be repaid, and the interest is waived if it is possible to waive it. The soul of a believer remains suspended by his debt until it is paid off. A usurer is in grave danger; Allah has declared war on him, and the Prophet, peace and blessings be upon him, cursed him. The acts of worship of a usurer are valid, but his supplications may not be answered. As for a house shared by siblings, it should be distributed according to their agreement at the time of partnership and its current value. No one should be prevented from their right, and reconciliation is preferable. However, if they were donors (i.e., they gifted their shares), they have no right to reclaim them.