What is the ruling on purchasing a computer on installments through a bank with an interest rate of 10% for one year, 20% for two years, and 30% for three years?

Purchasing from a store in installments has two possibilities:

The first: Permissible, which is when the store sells the device to the customer in installments, and they agree on a fixed price for a specified period that does not increase with the extension of the period, and the bank is merely a drawee.

The second: Unlawful, which is when the bank lends the customer the price of the device with an increase, or the store stipulates an increase in price with an increase in the period or delay in payment. This is prohibited usury (riba), and necessity does not permit entering into a usurious contract.