1. Is borrowing money from the bank to build a fully equipped house considered usury, and if so, what is the way to seek forgiveness for this sin, especially given the inability to repay the loan due to straitened circumstances? 2. How accurate is it to consider someone who dies in a horrific accident and a gruesome death a martyr, and is it permissible for my husband to perform the missed prayers on behalf of his deceased friend who did not pray?

The husband must repent from borrowing with usury, which is among the gravest of sins. He should strive to reduce the usurious interest by early repayment if possible. As for his deceased friend, he is hoped to receive the reward of martyrs if he died upon Islam due to his horrific death. Performing prayers on behalf of the deceased for the prayers he missed is not legislated. However, one should frequently seek forgiveness for him and supplicate for mercy upon him, and dedicating the reward of righteous deeds to him will benefit him.