What is the ruling on taking a loan from the Housing Bank to buy a house, where a monthly subscription is paid for four years, after which the subscriber is entitled to borrow an amount with interest, and the house remains leased from the bank until the end of the repayment period, when it becomes his property?

Dealing with usury is one of the major sins, and it carries a severe warning. Allah has forbidden usury and cursed its devourer and its provider. Scholars have unanimously agreed on the prohibition of any loan that draws benefit. The mentioned transaction is forbidden; it is darknesses, some above others, and a Muslim is not permitted to be lenient in dealing with usury. Rather, it is obligatory to seek what is lawful. It is forbidden to take a loan from banks with usury, whether it is for construction, consumption, or trade, due to the generality of the verses and hadiths prohibiting it.