What is the ruling on taking a loan with an interest increase on the principal amount, while benefiting from a grant that covers the obligatory surplus, such that the value of the loan (principal loan amount plus the surplus) becomes less than the value of the grant if the principal loan amount is added to it?

This contract is usurious and forbidden, because it is a loan provided by the bank, with the condition that the borrower pays interest. Scholars have unanimously agreed that any loan with a stipulated increase is forbidden usury. The fact that the state bears the interest does not change the reality of the usurious contract, as the borrower has agreed to and engaged in usury.