Is the financing of a home purchase by a government bank for 47,0 Dinars from the seller, and then collecting 53,0 Dinars from the buyer in installments, considered a permissible deferred sale or an usurious loan, knowing that the buyer did not receive the amount in cash or by check, and that the bank acts as if it purchased the house from the seller and then sold it to the buyer?

This transaction is forbidden unless the bank purchases the dwelling from its seller and then sells it to the client, because it falls under the category of "a loan that draws a benefit." For the contract to be valid, it must be a Murabahah (definition) sale, where the bank buys the dwelling and then sells it to the beneficiary at a deferred price higher than its cash price, with the bank bearing responsibility for the destruction of the good before delivery and the consequences of returning it due to a hidden defect or similar issues. This is in accordance with the regulations of Murabahah sale for one who commands a purchase.