Is it permissible to purchase a car through the bank using a Murabaha system, whereby the bank buys the car from the dealership with a paper transaction without transferring ownership at the traffic department?

It is permissible to purchase a car in installments from the bank if the bank genuinely buys it first and then sells it to you at a profit, even if its ownership is not transferred at the traffic department. However, if the purchase is merely a formality on paper, it is a prohibited usurious loan.