What is the ruling on purchasing a house through Zitouna Bank in Tunisia according to the steps mentioned, and is this transaction considered permissible (halal) or forbidden (haram)?

The aforementioned transaction involves two prohibitions: the bank's condition that the client take out commercial insurance on the house and life, and the late payment penalty, because it is a form of usury (riba). If the transaction were free from these two prohibitions, there would be no objection to it.