What is the jurisprudential ruling on a commercial transaction for buying and selling cars in which an intermediary connects an investor with companies that sell cars at wholesale prices, and the intermediary receives a brokerage fee, knowing that the intermediary may arrange a loan for the investor from a bank without additions or interest on the loan, and without an additional fee for the intermediary or the bank?
There is no harm in mediating between an investor and car companies for a known commission. As for the mediator's endeavor to arrange an agreement between the investor and the bank to obtain a loan, this is permissible if the loan does not involve usurious interest and does not include forbidden conditions. However, it is unlikely that banks would offer interest-free loans, as Islamic banks provide financing transactions (such as Tawarruq), and conventional banks offer loans with interest. If the transaction is free from usury and forbidden conditions, there is no harm in mediating for a known commission, and it is permissible to take a commission for arranging the loan, provided the loan is free from Sharia prohibitions.
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