What is the ruling on a lessor reducing the monthly rent by half (1,000 dirhams) in exchange for the lessee paying one million dirhams upfront for a period of five years, with the lessor returning the remaining amount after deducting the rent value at the end of the term?

This transaction is based on a contract of ijarah (leasing/renting) combined with a qard (loan). Part of the advance payment is rent, and the other part is a loan. The lessor reduces the rent for the lessee in consideration of this loan, which is unanimously forbidden because "every loan that draws a benefit is usury."