What is the ruling on a company buying a car for a client, then selling the debt to the bank that collects the installments from him, knowing that the ownership of the car on paper remains in the name of the bank with a sales prohibition in its favor?

If the company finances the customer by paying the price of the car in cash, then recovers the amount with a deferred increase and in installments, this method is impermissible because it is an usurious loan. However, if the company or bank buys the car and it comes into its possession, then sells it on deferred payment with an increase in price (murabaha), this is permissible. Selling a deferred debt for less than its current value to someone other than the debtor is a forbidden usury according to the majority of scholars.