Are the non-refundable monthly subscription fees to a interest-free housing fund considered usury (riba)?

Fees paid to cover the actual expenses of loan services are permissible. However, anything beyond that is prohibited usury (riba). The lending institution is permitted to charge fees that only equal its actual direct expenses. It must be precise in determining these expenses to avoid any excess that would lead to interest. Lump-sum fees that are not tied to the loan amount or duration, in exchange for the service, are not considered usurious interest. However, any increase beyond the actual services rendered is considered prohibited usury.