Is the loan of 500,000 dirhams provided by the government to young people – through an interest-based bank – to be repaid over 25 years, with an administrative fee of 10,000 dirhams paid to the bank, and home insurance for 25 years (its installments included in the total amount of 510,000), permissible (halal)?

It is permissible to take a loan from the state through a riba-based bank as long as the bank only charges administrative fees and no interest is taken on the loan, and the bank is not the lending party. As for the insurance system, the questioner believes it is a foregone conclusion, and he should strive to make the insurance provider Islamic if possible. This ruling is contingent upon the absence of other harmful conditions in the contract.