Is the car loan system for employees, in which the company pays 25% of the loan and the employee pays the remaining 75% with 6.25% interest in monthly installments over five years, knowing that the total amount paid does not exceed the original loan value, halal or haram?

If a company stipulates that an employee must repay three-quarters of a loan with an increase of 6.25%, this is usury (riba), which is forbidden by scholarly consensus, because every loan conditioned on an increase is unlawful. If the company were to cancel the grant it provides to the employee and cancel the interest on the remaining amount, the transaction would become a permissible, interest-free loan (qard hasan (definition)). If the company corrects the transaction, there is no sin upon the employee in receiving the money from the bank, as he is merely an agent. However, the employee should avoid this transaction unless he is in need.