Is it permissible to purchase homes from banks or contractors who add to the original price an amount of interest for future years, with payment in installments and a penalty for late payment?

If the bank or contractor owns the house, it is permissible for them to sell it at an installment price higher than its immediate cash price, provided that a clear sale price is specified and interest is not stated separately, but rather included within the price of the commodity. It is not permissible to stipulate a penalty for late payment of installments, as this is prohibited usury (riba). If the borrower is unable to pay, it is permissible to buy their mortgaged house from the bank, provided that the owner of the house gives permission or the Sharia judge rules for the sale, and that the sale is at the market price.