What is the ruling on purchasing a car in installments through the company where a young man works, given that its value differs from the market price, with a 40% down payment and the remaining installments deducted from the monthly salary over four years, knowing that the car is registered in the buyer's name but is mortgaged to the private seller throughout the installment period?

If the private seller buys cars for himself and then sells them to workers after taking possession of them, there is no harm. However, if he only pays the price on behalf of the workers and then collects it from them with interest, this is a usurious loan. The company acts as an intermediary between the workers and the private seller, and the condition of paying an advance installment or mortgaging the car does not affect the validity of the transaction.