What is the ruling on purchasing a car through a Murabaha operation with Bank Zitouna of Tunisia, knowing that the operation is carried out by choosing the car and submitting an invoice to the bank, then concluding a promise to sell and an agency contract, and a certificate is delivered upon receipt, and a final sale contract is concluded, with the cancellation of late payment penalties, and the insurance being subject to Takaful insurance, and the mortgage being adopted as collateral?

If the bank purchases the car and it enters its ownership and responsibility before selling it to the requesting party, then there is no objection to the transaction, even if the bank stipulates a Takaful insurance; because it is for the purpose of assurance. As for the agency contract for Murabahah (definition) financing, it is permissible for the bank to appoint the requesting party as an agent in case of urgent need, although it is better for the bank to appoint someone else, and the agent should not sell to himself.