Is buying a car through "Al Baraka" Bank, which pays a portion of its price while the buyer is responsible for paying the remainder to the bank in monthly installments with an interest rate and life insurance calculated, permissible or forbidden?

The aforementioned transaction is forbidden for two reasons:

1. The bank lends the buyer an amount to be repaid with an increase, and this is usury (riba) and not a legitimate murabaha contract based on a real sale and purchase.

2. The condition of life insurance is void, as commercial insurance of all types is unlawful due to its inclusion of gharar (excessive uncertainty) and maysir (gambling).