Riba is forbidden however there are ways to make the transactions by avoiding the haraam riba. There are ways to make it halal.

A) If you are taking a loan from the bank because you don’t have money for education or to buy a house there is no problem if it’s not from a Muslim owned bank.

You can consider the money you take as a gift given to you and the interest you pay is the transaction fee.

B) Or you can consider the money you take yours as it is given to you by a non-Muslim. Then in order to keep the house or whatever you are getting with the money you have to pay the mortgage.

C) You can also consider the money you are receiving as money going directly to the house. If you buy a house they don’t give you the money. They give it to the house seller. Then you just make payments to the bank as if you are a renter.Then you just make payments to the bank as if you are a renter.