Is buying an apartment from a bank that owns it, paying a down payment and the remainder over ten years with 10% interest, considered usury (riba)?

If the bank owns the apartment and sells it at an installment price without stipulating an increase in case of late payment, then there is no objection to that. However, if it stipulates an increase in the price for late payment, then the purchase is not permissible. If the bank does not own the apartment and pays its price to its owner on behalf of the buyer, so that the buyer pays back more than what was paid, then this is a prohibited usurious loan.