What is the ruling on acquiring a car from a bank through the formula of Murabaha to the one who promises to purchase (Bai’ al-Amir bi al-Shira’), and is the contract valid in two cases: if the customer receives the car from the bank, or from a car distributor?

The transaction mentioned, which is Murabaha to a party who promises to purchase, is permissible if the bank acquires ownership of the commodity and it enters into its possession and guarantee, and then sells it to the party who promised to purchase without any prohibited conditions. The resolution of the Fiqh Academy stipulates the permissibility of Murabaha to a party who promises to purchase if it is applied to a commodity after it has entered into the possession of the instructing party and the legally required قبض (taking possession) has occurred, with the instructing party bearing responsibility for damage before delivery and the liability for returning the item due to a hidden defect or similar issues.