What is the ruling on purchasing a car in installments through a usurious bank, where the bank pays the full amount to the car dealer, and then the buyer repays the installments to the bank with annual interest, or with less interest if the buyer participates in an insurance policy that pays the installments to the bank in case of inability to pay, knowing that the ownership of the car transfers directly to the buyer without a lien?

The bank pays the remainder of the price on behalf of the customer, then collects it from him with an increase. This is usury (riba) and is impermissible. Furthermore, it obliges him to take out commercial insurance on the debt, which is also prohibited. Therefore, it is impermissible to engage in such a transaction, which involves usury and commercial insurance, except for one who is in a state of dire necessity. This refers to someone who has reached a level of severe danger or hardship such that they fear harm to their life, limb, honor, intellect, or property. In such a case, committing what is forbidden becomes obligatory or permissible. For one who has not reached the limit of necessity, it is not permissible, due to the Almighty’s saying: "And He has explained to you in detail what is forbidden to you, except that to which you are compelled."