To what extent are the dealings of Beit Al-Tamweel Al-Tunisi Al-Saudi Bank legitimate, especially in the financial leasing department where the bank buys the car and adds its profits, then delivers it to the client in the form of a lease, and after all installments are paid, the bank transfers ownership to the client?

The aforementioned form of "Ijarah Muntahia Bittamleek" (leasing ending in ownership) is permissible if it adheres to the conditions for permissibility, which are:

1. The existence of two separate contracts (first lease, then sale), or a promise of ownership at the end of the lease period. 2. The lease must be genuine and not merely a disguise for a sale. 3. The leased asset remains under the guarantee of the owner. 4. If the contract includes insurance, it must be cooperative Islamic insurance borne by the owner. 5. The rulings of leasing must apply throughout the lease period, and the rulings of sale must apply upon ownership. 6. Non-operational maintenance expenses are the responsibility of the lessor.

Among the permissible forms of contract is a lease contract with the gift of the asset to the lessee, conditioned upon the full payment of the rent, or a promise of a gift after the payment.