What is the ruling on borrowing from banks, based on the Ministry of Interior's decision, by which the Ministry of Finance deposits funds in specific banks as deposits at a service charge of 1%, and these banks directly lend to beneficiaries with a service fee of 2% (1% for the deposit service and 1% for the loan service), knowing that these banks direct beneficiaries to other banks to receive the loan? And does the rule "necessity permits the prohibited" apply in the event that borrowing is deemed impermissible?

The reality of the transaction is that the bank lends at a usurious interest rate of 2%, which they call a service fee. This loan is forbidden because what matters are the realities, not the names. It is permissible for the bank to charge service fees commensurate with the service provided, not as a percentage of the amount. As for necessity, if a person reaches a state of perishing, it is permissible for him to take [the loan] based on the principle, "Necessities permit the forbidden," and necessity is estimated according to its extent.