Is there a religious objection to the aforementioned bank loan, especially since the profit margin ranges between 2.1% and 2.2%, and does it prohibit settling the loan before its due date?

This tripartite financing is a loan with interest, and if so, it is a usurious transaction that is impermissible to undertake, as it involves a loan that brings benefit. This transaction is impermissible from the outset, even if the payment of usurious interest is not required.