Is it permissible for a company to sell a mobile phone with a SIM card in installments, knowing that it does not own the SIM card and obtains it in the name of the buyer from the telecommunications company?

It is not permissible to sell the SIM card with an increase in price, because the buyer borrows the price of the SIM card from the seller, and then repays it with an increase. This increase is usury (riba). However, selling the phone in installments is permissible. The increase in the price of the mobile phone does not justify an increase in the price of the SIM card. This contract is forbidden. The buyer must purchase the SIM card with his own money. This does not fall under the category of "two contracts in one contract" nor "agency for a fee," because it is a loan with an increase.