What is the ruling on taking an immediate installment or a seriousness margin in the Murabaha transactions offered by Islamic banks?

The immediate installment or earnest money is an amount requested by the Islamic bank from the client to guarantee the seriousness of the purchase. The bank is permitted to deduct from this installment an amount equivalent to the actual damage resulting from the client backing out of the purchase. This is Islamically permissible as it contributes to the stability of transactions and prevents manipulation. This is what the Fiqh Academy has affirmed. Scholars have differed regarding the Bay' al-Arbun (earnest money sale): the majority do not permit it, while the Hanbalis permit it, citing the action of Umar, may Allah be pleased with him, as evidence.