The Ruling on Bank Loans and Tawarruq

Question:
He says: What is the ruling on bank loans? Are there types that must be avoided? I ask for clarification because I am about to take out a loan for the purpose of marriage.

Answer:
Banks do not lend except with riba (usury or interest). There is no loan here, and there is no bank that lends a good loan without an increase. They only lend with an increase; these are riba loans, so they are not permissible. As for what is said that they sell a commodity, which is called tawarruq (a commodity sale used to obtain cash), this has conditions in the bank and elsewhere. The conditions are: first, that the commodity exists with the seller. It must be in his ownership before you come to him, then he sells it to you, and then you take it, transfer it, and sell it in a place far away from the creditor so that it does not return to him. If these conditions are met, it is permissible. However, if any one of these conditions is lacking, it is not permissible. Yes.