Is it permissible to purchase a house with a bank loan in Belgium at an interest rate of 2%, and is there a fatwa by Sheikh Al-Qaradawi that permits this, especially if the loan is for personal use and not for trade?

Usury is one of the major sins, even if its interest is symbolic. Lending with interest—whether little or much—is forbidden by Sharia (definition). The ruling on this symbolic interest does not change, even if it is disguised as administrative and service fees, if it is determined as a percentage of the loan value. However, it is permissible to take the actual expenses of the loan as a known fee commensurate with the work and effort expended, provided that this does not result in excessive profit for the lending party. Usury is not permissible except in cases of dire necessity, where the individual finds no other way to avert it.