Does bank financing for cars constitute usury, or two sales in one, knowing that the bank buys the car after the buyer's commitment to purchase?

Not all bank financing transactions are usurious or involve two sales in one. Some of them are permissible. If the bank purchases a car based on the customer's request and their mutual agreement, and then the bank sells it to the customer for a deferred price and a known profit, this transaction is permissible. The conditions for its permissibility are that the bank must own the car and take possession of it before selling it to the customer, and it must bear the responsibility for its destruction before delivery, and it must not impose a late penalty fee on the customer for delayed payment.