What is the ruling on taking Tawarruq from the bank to alleviate financial hardship and saving a portion of it for marriage, especially given that a year has passed and its Zakat has been paid, and is it permissible to use this money for Hajj?

The preponderant opinion is that tawarruq (monetization) is permissible under certain conditions: that the bank takes possession of the commodity and acquires it, such that it enters its liability; that the second buyer is not the bank; and that there is no trickery or collusion to sell the commodity back to the original seller. If tawarruq adheres to these controls, then there is no problem. If it does not adhere, then it is haram (definition), and the purpose of marriage does not make it permissible. If the contract is not Islamically sound, then if it is possible to annul it and return the money to the bank without riba-based interest or with its reduction, that is what must be done. Otherwise, repentance is sufficient. As for the money obtained, there is no harm in benefiting from it and spending it on marriage, Hajj, or other permissible expenditures, because the prohibition of usury relates to the liability of the one dealing with it, not to the money itself.