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.
Borrow money with the niyat of istenqadh. You can receive the money not with the intention of borrowing it. That is called istenqadh