What is the ruling on the sale known as "Murabaha to the one who promises to purchase" in matters relating to the following: 1. The arrangement of contracts between the seller, the bank, and the one who promises to purchase? 2. Is the registration of the car in the name of the purchaser and its mortgaging to the bank considered a valid possession, and how does the bank take possession of the commodity? 3. The writing of post-dated checks by the one who promises to purchase as a guarantee for the completion of the sale before it occurs? 4. The bank delaying the delivery of the car's price to the seller after the contract has been signed?
It is permissible for the bank to purchase the car first, then sell it to the person who wishes to buy it, then register it in the name of the buyer, and keep it mortgaged until the installments are completed.
It is permissible for the bank to take a pledge from the buyer, and there is no harm in the purchased commodity itself being the pledge.
If the car is handed over to the buyer, there is no harm in delaying the seller's receipt of its price. What is prohibited is al-kali' bi al-kali' (incurring two debts for two liabilities). If the bank inspects the car and signs the contract for it, it falls under its guarantee.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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