Is it permissible to join a housing association that follows a payment system based on regular installments with an upfront payment before receipt, and the funds are deposited in a usurious bank, and penalties are imposed for withdrawal or expulsion from the association, and increases are applied for delayed payments, and plots are distributed by lottery?

It is not permissible to subscribe to the association if its internal regulations contain impermissible elements and Sharia violations, even if in a single clause, especially when signing an agreement to abide by all clauses. Among the most prominent of these impermissible elements are placing members' funds in riba-based banks and the stipulated increase (5%) for late payment of an installment, as this is explicit usury (riba). Also among the violations is giving the association the right to expel a member and deduct an amount of (3000 dirhams) without clarifying the justifications for this, as it clearly involves injustice.