Sorry to write the question in English but it is easier for me to use in computer. I am Arabic citizen. In my country if you want to build a house you can ask for a loan from the bank. When you receive the money, you receive an amount lesser than what you asked for, but when you want to pay the bank the loan you should give the amount you asked. For instance, if you apply for a loan of 30,000 dinar you will receive in your hands only 25,000 dinar but you have to pay for the bank back 30,000 dinar. The bank said it is for the employee or the service for the loan. Is this loan considered as (riba) or not Is it (Harram or Halal).
All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad is His slave and Messenger.
The method, which is adopted by the bank, is illegal in Islam, because it is either tricking in order to deal with Riba (interest or usury) by naming it the wages of workers or eating people's money without right.
Indeed, both methods are prohibited in the Quran and in the Sunnah of the Prophet .
Allaah knows best.
You can search for fatwa through many choices