What is the legal ruling on dealing with a government bank that grants interest-bearing loans for building housing, then deducts the price from the beneficiaries? Is it permissible to submit a reservation request? Is this considered an usurious loan if the apartment price includes an interest rate? What is the ruling if the building funds are from the bank's interest profits or from the state's general treasury?

Attention must be paid when submitting applications for apartments through the bank. If the intention is for the bank to enter into a binding contract with the applicant, then this is impermissible, as it falls under the category of selling deferred payment for deferred payment. However, if the application is merely a promise from the client to purchase the apartment when it is ready, and the contract will be made later, then there is no harm in that.

The discount offered by the bank is the price of the apartment. It is stipulated that the price must be known to the buyer, and it should not increase or decrease due to delayed or expedited payment. If the value includes a percentage classified as interest, there is no harm in that as long as it is added to the price at the time of the contract. The ruling does not change based on whether the funds used for construction are from the state's general treasury. However, if the funds used by the bank for construction include profits from its usurious interest, then the ruling in this case is the same as dealing with the possessor of illicit wealth.