Is purchasing a home through the "rent-to-own" formula—organized by the state with financing from a bank, involving an interest rate between the state and the bank, but where the citizen pays the amount in installments without interest—permissible (halal)?

The agreement made by the state with the bank is an usurious, forbidden loan (riba), and it is impermissible for a citizen to take it, as it involves assisting in usury. Whoever is pleased with usury or assists in it is included in the Prophet's (peace be upon him) curse: "Allah has cursed the one who consumes riba, the one who pays it, its two witnesses, and its scribe. They are all equal in sin." As for rent-to-own or lease-to-own, it is a corrupt contract that should not be entered into except under conditions that are often not met.