What is the religious ruling on buying a car in installments from a company that requests a 20% down payment and sets the remaining amount in fixed monthly installments, with the seller bearing responsibility for the specifications and compulsory insurance, and registering the grey card (vehicle registration) in the buyer's name while mortgaging it until the installments are paid?

The sales terms mentioned are permissible, with the exception of the last clause, which is the compulsion to commercial insurance. This is because it is impermissible, and compelling the buyer to it is a clear sin. It is not lawful to stipulate it in the sales contract. As for cooperative insurance, there is no objection to stipulating it. The remaining clauses do not violate Islamic law.