Many thanks for providing very useful and practical resources. I would appreciate it if you could help me to clarify one question. One islamic bank in my country offers housing mortgages based on tawarruq principle. As I understand the scholars did not approve using organized tawarruq by banks as a financing option. However this bank has a fatwa “certificate” available on their website. In this case, will it be still haram to obtain a housing mortgage from this islamic bank based on tawarruq?