What is the ruling on an employer taking a large financial guarantee from an employee, exceeding the price of the car, in exchange for providing him with a car and a large salary, on the condition that each of them gets their money back at the end of the employment period, given the employer's need for this amount?

This transaction is a loan from the employee to the employer, from which the employer benefits by repaying its equivalent after a period, in exchange for an increase in the employee's salary and his personal use of the car. This is forbidden because every loan that draws a benefit is usury (riba). Ibn al-Mundhir transmitted the consensus of scholars on the prohibition of a creditor stipulating an increase or a gift in a loan.