Is it considered usury if the borrower, the bank, the owner, and the committee agree to issue a single check in the owner's name, covering the price of the house, the commission, and an amount for house furnishings, on the condition that the owner returns part of the amount to the borrower after receiving the check, due to the bank's refusal to issue more than one check?

The amount exceeding the price of the house is considered a loan on which the bank charges interest, and this is usury (riba). The bank's knowledge of this makes it a partner in sin. Therefore, the transaction is forbidden, and the bank should not charge interest on the excess amount. Repentance is required for this, as Allah Almighty says: "O you who have believed, fear Allah and give up what remains [due to you] of interest, if you should be believers. And if you do not, then be informed of a war [against you] from Allah and His Messenger. But if you repent, you may have your principal - [thus] you do no wrong, nor are you wronged."