How can one obtain housing without resorting to usurious loans in Morocco, given the unavailability of Islamic banks and Islamic products?

A Muslim can resort to Sharia-compliant alternatives to usurious loans and prohibited transactions, such as murabaha (cost-plus financing), istisna' (manufacturing contract), installment sales, and ijara muntahia bi al-tamleek (lease ending in ownership). These transactions, whose Sharia rulings have been clarified in previous fatwas, can be conducted with banks, financing institutions, or individuals. They achieve the interests of both parties: the needy person obtains their need, and the capital owner gains profit, with the possibility of requesting guarantees such as collateral or checks.