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Intention + haraam financing = halaal financing? (Sunni view)

I understand that Sunni's consider all forms of Riba to be haraam, including riba based financing such as mortgages. I also understand that Shia based scholars consider riba to be haraam, but ...
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Zakat Calculation : Mortgage

I originally asked this question which I am splitting up. Mortgage: Should all of the amount be treated as loan hence reduce from net worth, or only calculate what you need to pay in a year. I found ...