The ruling on purchasing a house through a bank, where I specify the house and the bank buys it for me, and it remains in the bank's name until I pay off the installments

Question:
May Allah reward you, Your Eminence, father. The questioner asks: What is the ruling on purchasing a house through a bank, where I specify the desired house and then inform the bank, and the bank buys it, and it remains in the bank's name until I pay off all of the bank's installments?

Answer:
This is not permissible, because the bank bought it for you and not for itself. It bought it for you from the start, either by paying the price on your behalf, or by lending you a loan which it then recovers with an increase. This is not permissible. If the house was in the bank's ownership from the start and it sold it to you for a deferred price, and you thereby took possession of it, then there is no harm. But these transactions and these stratagems are not permissible. Yes.