Is it permissible to finance Umrah through an Islamic bank that buys the Umrah ticket from a travel agency at a known price, then sells it to the client in installments with an increase in price?

Dealing with an Islamic bank for financing Umrah or Hajj services by installments is permissible, provided that the bank purchases the service from a travel agency and then sells it to you at an installment price with a profit. One should not seek the expense of Umrah or Hajj by incurring debt. However, there is no harm in accepting a benevolent loan (qard hasan) or a legitimate financing transaction to perform the rituals for those who are able to repay.