This is the method of Niyat.
You can receive the money, not with the intention of borrowing it.That call istenqadh
It is permissible to take the money from the bank that is financed by non-Muslim government or private funds but not with the intention of loan. The knowledge that the bank will sooner or later force him to pay the capital as well as the interest does not affect [the lawfulness of] his taking the money.
If you made this Niyat then it will be jayez.