Can the answer to question number 2146065 be clarified?

The Islamic Fiqh Academy permitted Ijara Muntahia Bittamleek (lease ending in ownership) if it met the Sharia-compliant conditions, and prohibited it if it lacked them. For it to be permissible, the sale contract must be separate and subsequent to the lease contract, and the lease must be genuine. Furthermore, the owner, not the lessee, must bear responsibility for any damage to the leased asset, and the insurance must be cooperative Islamic insurance borne by the owner. The provisions of the lease contract must apply throughout its duration, and the provisions of sale must apply upon ownership of the asset.