What is the ruling on subscribing to the company's optional housing fund, which takes a 1.5% annual fee based on the principle of mutual support and solidarity, and mandatorily insures the beneficiary's life, and is it permissible to benefit from the loan?

It is permissible to establish a Takaful fund if it adheres to Sharia guidelines. There is no objection to the managing company taking a fixed amount (1.5%) for its administration of the fund, as long as it is not exploitation or injustice.

However, if the fund mandates compulsory insurance: - If the insurance is with commercial insurance companies, then it is not permissible to subscribe to the fund, because subscribing to it leads to something forbidden, and "what leads to the forbidden is forbidden." - If the insurance is with Islamic insurance companies, then there is no objection to subscribing to the fund, provided it adheres to Sharia conditions.