Is it Islamically permissible to deal with a housing finance transaction that includes financing up to 75%, with installments not exceeding 10 years, and approximately 40% of the salary being deducted?

Dealing with the bank is permissible if it takes ownership of the property before selling it to the buyer, even if it stipulates that the property remains mortgaged with it to guarantee deferred installments, as approved by the Islamic Fiqh Academy. If the transaction is an istisna’ (manufacturing contract), then its specific rulings should be consulted.