Is it permissible to subscribe to a club through usurious bank financing, where the bank purchases the membership (which is an intangible asset) and then sells it in fixed and specified installments without an increase if payment is delayed?

The bank's subscription on behalf of the client to a club, then collecting the price from him in installments with an increase, is a prohibited usurious loan. This is because joining the club involves possessing a personal benefit that the bank cannot possess and then sell. If the club stipulates that a member may not rent out their membership to another, this condition is valid and binding.