What is the ruling on borrowing from banks in non-Islamic countries according to the four schools of thought, and what are the opinions of contemporary scholars on that?

The prohibition of interest-bearing loans is established by the Quran, the Sunnah, and the consensus of the early Muslims (Salaf), and this is the practice adopted by the four madhhabs. Although some Hanafis permitted usury in Dar al-Harb (land of war) between a Muslim and a combatant if the Muslim was the beneficiary, contemporary scholars have not differentiated between Islamic and other lands in prohibiting usury. Furthermore, Islamic Fiqh councils have affirmed the absolute prohibition of usury.