Is it permissible to purchase a car from a bank through a mechanism that guarantees the bank's right to collect its price in installments, by documenting a sale contract with the original owner of the car and a loan contract with the bank? Is it permissible to sell the car before paying all installments, knowing that the guarantee is the buyer's employment and not the car itself?

If the debtor is unable to repay his debt, the creditor has the right to refer the matter to the ruler. If the debtor is solvent, the ruler obliges him to pay. If the debtor is insolvent and bankrupt, the ruler may rule that the car or other item be given to the one who sold it to him, in fulfillment of his debt, based on the saying of the Prophet, peace and blessings be upon him: "If a man goes bankrupt and another man finds his exact merchandise, then he is more entitled to it." There is no objection to buying it from the bank after it has become its property by the ruler's decree. The buyer owns it upon conclusion of the contract. It is permissible to buy it in installments, unless the bank stipulates an increase in case of late payment, as that would be usury (riba). If the contract includes this condition, it must be annulled or the car returned, unless that is impossible due to the country's laws. In that case, one must pay the installments and benefit from it, while refraining from repeating such a corrupt contract. The sale is concluded by the contract, and official papers are written for documentation. There is no objection to a nominal contract to complete the documents. It is permissible to buy the car with the intention of selling it after receiving it, to benefit from its price in a commercial project, whether the installments have been paid or not. This is a matter of permissible tawarruq according to the majority of scholars.