What is the ruling on a mortgage loan from such-and-such bank? Please answer, as you choose the land.

Before that, and you sign a commitment to purchase.

Then they buy the land and sell it to you through a murabaha contract for the one who orders the purchase. As for choosing, for example, a person chooses a product but he does not.

sign anything for it, then this is permissible. But if a person signs for it,

before the bank buys it, I say it is not permissible for a person to do that. This is selling what one does not own, because, for example, if he signs an agreement or a promise that he.

will buy it from them, this indicates that they own it, but they do not own it, and it has not entered the bank's ownership.

So how can he give them a promise to buy it when they do not own it, and the purchase is what is intended from them? We say that this promise is invalid.

Likewise, we say that this contract is not permissible. In fact, he should not sign anything or give them a promise or a commitment.

If they own it, then he may buy it after that, and there is no problem for him. And Allah knows best. May Allah reward you with goodness.