The Chinese government has established a special grant for employees in government institutions called "Public Fund" in Arabic. It is a cooperative association between workers and companies where the company deposits a certain portion of money ranging from 5% to 20% of the employee's salary each month, and the same percentage is withheld from the employee's salary to be deposited into the employee's personal account, which they can access upon retirement or in emergency situations such as health incidents, etc. Ultimately, this money goes back to the employees only. Additionally, a special loan called "Real Estate Public Fund Loan" has been created specifically for this group participating in this fund for the purpose of purchasing apartments: if an employee wants to buy a property and the fund's grant has not yet matured because they have not retired, they are allowed to take a loan from the same fund. This lending process is similar to other loans with interest, but it differs from other real estate loans in the following ways: 1. Lower interest rates, ranging from 2.75% to 3.75%, while other loans start at a minimum of 5%. 2. Limited term, as this loan does not exceed a maximum duration of 30 years, while other loans can extend indefinitely and be passed down to future generations. 3. Loans are only reviewed after the ownership is transferred to the buyer, while other loans are reviewed beforehand. 4. The source of funds for this loan is the same money from the fund where the buyer deposited their funds, while the source of other loans comes from interest-based banks. This feature is the most significant in the eyes of the humble servant, as usury in this case does not spread to society, and the benefit ultimately returns to them. What is your opinion on this loan?