What is the reason for the divergence in fatwas regarding the ruling on purchasing a house through Islamic banks, especially given that the Permanent Committee for Issuing Fatwas considers it manifest usury, even with the fulfillment of recognized Sharia conditions?

The Murabaha to the one who promises to purchase, as practiced by Islamic banks, is permissible according to the majority of scholars. This is also the view adopted by the Islamic Fiqh Academy, provided that the sale of the commodity occurs after it has entered into the ownership of the one commissioned and after lawful possession has been obtained. Furthermore, the one commissioned must bear the responsibility for damage before delivery, and the liability for returning the item due to a hidden defect or similar issues after delivery, along with the fulfillment of all conditions of sale and the absence of any impediments to it.