Is it permissible for a company to purchase a property at a customer's request and sell it to him at a price that includes a profit margin, provided that the total amount is paid in installments?
The institution's selling the property to you for more than it purchased it for is permissible if the institution has taken possession of it and acquired it. This transaction is called a Murabaha sale for one who commands a purchase. The Islamic Fiqh Academy stated that this sale is permissible if the commodity comes into the possession of the agent and lawful seizure occurs, and the agent bears responsibility for damage and the consequences of returning it due to a hidden defect, and the conditions of sale are met and its impediments are absent. It also indicated that a promise is binding religiously and judicially in certain cases, and that an agreement between two parties is permissible with the option for both or for one of them.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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