Is the personal loan I obtained from an Islamic bank branch to purchase a car, which stipulated a salary transfer, considered usury, given that full repayment of the loan is the only way to reduce the profits, not partial repayment, and that I was compelled to take this loan?

It is not clear to us how the aforementioned sum of money was obtained. We will outline the conditions for a Murabaha sale to a purchasing applicant: The sale must be at a specified price, whether immediate or deferred. The contract must include the number and amount of installments in case of deferment. The price must not increase due to late payment. The car must enter into the ownership and guarantee of the intermediary before being sold to the purchaser. If these conditions are met, the customer is not permitted to sell the car until they have taken possession of it, as the Prophet (peace be upon him) forbade selling goods before taking possession of them. Violating any of these conditions leads to usury (riba) or egregious, prohibited uncertainty (gharar). Possession and sale can be effected through an agent on behalf of the customer, and there is no objection to the bank acting as your agent in selling it after taking possession, provided that the bank does not sell it to itself. We should note that Islamic banks have a theoretical aspect and an practical aspect, and deficiencies may occur in the application, which necessitates caution.