What is the ruling on buying a car from another citizen, knowing that this citizen obtained it from the bank through monthly installments, and an amount of 12,0 has been paid to the citizen, knowing that the car's value to the bank is 23,0?

The summary of what you mentioned is that you sold the car for thirty-five thousand dinars, on condition that you give him twelve thousand dinars and the bank transfers the remaining amount, which is twenty-three thousand dinars, to you. There is no objection to this, provided that the bank does not stipulate an increase in the installment in case of delay. If that is the case, then you are not permitted to accept it, unless the transaction is solely between you and the car owner, meaning you pay him the remaining price in installments, and he then handles the installments with the bank.

We also caution that the car might be mortgaged to the bank. If that is the case, its owner is not permitted to sell it unless the bank authorizes him to do so.