What is the ruling on purchasing a house by installments from a company that buys and owns the house, then sells it to the client with a small increase, and the house remains in the company's name until the full amount is paid, knowing that there is a waiting period based on a lottery?

It is permissible to purchase homes through Murabaha if the company first buys the house for itself and then sells it to the client, provided that the company does not take an advance payment from the client at the promise stage, and that ownership of the house transfers to the client immediately upon purchase, with the permissibility of prohibiting its sale until the installments are paid.

It is not permissible to deal with the aforementioned company because it takes an advance payment from the client, and the house remains in the company's name until the client pays the full amount. The transaction may also be prohibited if the company is only a financier and does not buy the house for itself.