What is the ruling on personal finance in Saudi banks, and is it compliant with Islamic Sharia, and what is the formula followed to legitimize it?

Personal financing through banks is of two types: Permissible: This involves purchasing a commodity from the bank in installments after it has come into the bank's possession and ownership, and then selling it to obtain liquidity. Prohibited: This involves purchasing a commodity not owned by the bank in installments, with the bank paying its price to the seller on behalf of the buyer and then reclaiming this loan with an increase. The loan that conforms to Sharia is a benevolent loan (Qard Hasan) without interest. Any loan with interest is usury itself, and "every loan that draws benefit is usury." The distinction between Sharia-compliant banks and others is made using these criteria. One can ask the scholars of the country about banks that operate according to Islamic Sharia.