What is the ruling on taking a riba (usury or interest) loan out of dire necessity?

Question:
What is the ruling on a person who is in dire necessity and borrows from a bank to build a house, with an interest rate of ten percent, knowing that the borrower bears six percent and the state bears four percent, and the repayment period for this loan is nineteen years? Is there any issue with that?

Answer:
Allah (Exalted and Majestic is He) has forbidden riba (usury or interest) in every time and in every place, and He has threatened those who engage in it with the worst of threats. Allah has made selling lawful and has forbidden riba. He said: "O you who believe! Fear Allah and give up what remains of riba, if you are believers. If you do not, then be aware of a war from Allah and His Messenger." The Prophet (peace and blessings be upon him) cursed the one who consumes riba, the one who gives it, the scribe, and the two witnesses. It is not permissible to proceed with riba in any circumstance. Housing is not a dire necessity such that one must own a house; he can rent a place to live until he is able to build without engaging in riba in order to build a house for himself. If he does not have a house of his own, he rents one, and many Muslims rent and their affairs go well. As for riba, it is not permissible.