What is the ruling on taking a loan to buy an apartment, secured by a certificate of deposit without cashing it, provided that the loan installments are paid from the certificate's returns?

It is impermissible to take out an interest-bearing loan to purchase an apartment, unless one is compelled by a Shar'i necessity. This occurs when a person faces a state of danger or severe hardship, such that they fear harm to their self, or a limb, or honor, or intellect, or wealth. However, if the loan is not interest-bearing, such as dealing with reputable Islamic banks, then there is no objection to it.