What is the legal ruling on financing the purchase of a car from a bank that has Islamic branches, according to the steps mentioned, and does the employee's failure to pay the 10% down payment affect the ruling?

The aforementioned transaction is forbidden if the bank pays the price of the car, or a part of it, on behalf of the buyer with interest, as this constitutes usury (riba). It is permissible if the bank purchases the car and it enters into its possession and responsibility, then sells it to the aspiring buyer for a price higher than its original cost. The payment of an upfront portion by the buyer does not affect the validity of the contract; the crucial point is the bank's ownership of the commodity.