Is it Islamically permissible to take a loan from the state for the unemployed, with a sum of money deducted as bank fees?

If the lump sum amount for banking procedures is real, then this loan is permissible and not usurious, according to the Islamic Fiqh Academy: "Lump-sum fees that are not tied to the loan amount or its duration are not considered usurious interest. Any increase beyond the actual services is forbidden because it is usury."