As-salamu-alaikum I Know very clearly that intrest is haram,but what you suggest for saving income tax, can i take medical police, home loan ( if no one give as you say that first bank should buy and then sale it to us ).i live on rent. Medical card which provided by our company free of cost is it ok to take benefits of this medical card.
How will you use the interest money to save the income tax?
(2) House is among the basic necessities. So if you do not have a house and face difficulties in living in rented house, also it is impossible to buy a house as per the process mentioned in the question, then in this case, it is allowable for you to take loan from the bank only as much as you need.
(3) If the medical card is given to you freely, you do not have to give money for this, then it is allowable to avail this card.
Allah (Subhana Wa Ta’ala) knows Best
Darul Uloom Deoband