Is it considered an interest-based loan if the bank pays the apartment's price directly to the owner by check after it has been registered in the buyer's name?

If the bank pays the price of the apartment without usurious interest when there is a delay in payment, then there is no harm in that. However, this is unlikely in interest-based banks due to their dealings with interest. As for Islamic banks, it is permissible if it fulfills the conditions of Murabaha sale for the one who commands the purchase.