Is the transaction that takes place with car dealers in Algeria, which allows the buyer to choose the car and pay a first installment followed by monthly installments transferred directly to the car owner's account, with the car being registered in the buyer's name immediately upon payment of the first installment, considered Murabaha or a sale, knowing that the bank mentioned in the documents is not dealt with by the buyer?

This transaction is called installment selling, and it is permissible even with an added increase in price in exchange for deferment. For the sale to be permissible, it is stipulated that the price must be fixed, either in cash or in installments over a known period, and that the item must be in the seller's possession and ownership at the time of sale, based on the Prophet's (peace be upon him) saying: "Do not sell what you do not possess."

However, if the bank's role is to pay the car's price to the seller in exchange for collecting it from the buyer in installments, then this is an interest-based loan (riba) and is impermissible, as it constitutes cooperation in sin and aggression.