He submitted a construction loan request to the Real Estate Bank but he completed the construction out of his own money. Is it permissible for him to

Q: I submitted a construction loan request to the Real Estate Fund in 1409 A.H. As there was a delay in the reply, I asked for the permission of the Real Estate Fund to start the construction of my private house on my own and they permitted me. I finished the construction, praise be to Allah. A year later, however, I received a reply to my previous loan request and they sent me a letter informing me that my loan request has been approved and asked me to go there to sign the contract and take the first payment. I informed them that I had already finished the construction and they replied that the system approves giving the loan even in that case. (Part No. 11; Page No. 137) My question is whether it is permissible for me to take that loan and repay it to the Fund to take advantage of the exemption (90 000 Riyals) that is granted to whoever repays the loan in one payment. I hope that Your Eminence would advise me regarding this issue, which occurs to some of those who submit similar requests to the Real Estate Fund.

A: If the case is as mentioned, there will be nothing wrong if you take the loan in question because it is your right according to the country system, even if you have finished the construction process especially that the bank is aware of that and permitted it.May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.