Is it permissible, in Islamic law, for an employee to agree with the homeowner to purchase a property for a price lower than that declared to the company, and to take the financial difference without the company's knowledge, while the employee commits to paying the higher value to the company?

It is not permissible for an employee to resort to deception by increasing the price of a house to obtain a larger loan from the company, because this constitutes lying, cheating, and forgery. The Prophet, peace and blessings be upon him, said: "Muslims are bound by their conditions," and "Whoever cheats is not of me," and "Deceit and treachery are in the Fire." If the company sells the house on a murabahah basis, then fraudulently increasing the price leads to an interest-based loan, which is forbidden. The employee must present the true price of the house to the company.