I believe that this is not permissible.
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If it is a conventional bank, this is prohibited. If it is an Islamic bank, they don’t give loans but rather sell you a commodity and you sell it somewhere else. I would suggest that you don’t borrow from them and be patient until you save enough money.
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It should be said after fard prayer.
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This is not recommended. His income is haram as he deals with clear RIBA. Kindly refer to the following link(s): https://www.youtube.com/watch?v=ruP3gxAo1bQ
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Celebrating birthdays is imitating the Kufar. This is prohibited. Kindly refer to the following link(s): https://www.youtube.com/watch?v=wSva7uk23Po
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No need to renew your ablution unless you are certain that something came out of you either by hearing a sound or smelling something.
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That is a great reward and they will be rewarded as them.
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He must keep on fighting it and acknowledging that no human can reward him or benefit him and that only Allah’s pleasure that counts.
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I understand you don’t open links. Hadith 1 (Summary): “If someone recites surah fatiha + ayat ul kursi + certain verses of Ale-Imran after fard, Then Allah will make his abode in Jannatul Quddoos and fulfill 70 needs of his daily needs, the least of which is forgiving him and saving him from all enemies of evils.”
This is not authentic.
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