What is the legal ruling in Islamic law regarding buying a car through a lease-to-own system, and is it permissible or forbidden? And what should one who has paid half the amount do if it is forbidden?

The currently common lease-to-own contracts are impermissible. The Islamic Fiqh Academy has stipulated conditions for their permissibility, which are:

The existence of two separate contracts (a lease followed by a sale or a promise to transfer ownership). The lease must be actual. The leased asset's guarantee must be the owner's responsibility. Insurance, if present, must be cooperative Islamic insurance and borne by the owner. The rulings of leasing must be applied first, then the rulings of selling. Non-operational maintenance expenses are the responsibility of the lessor.

If the contract does not adhere to these conditions, it must be annulled. If one is unable to do so, it is hoped that they will be excused due to their ignorance, and they must repent and refrain from entering into impermissible contracts in the future.