Is it permissible for my husband to take an interest-bearing loan from the bank to buy a car, given that some scholars have issued fatwas permitting dealings with interest-based banks in cases of necessity?

Purchasing a car through a bank takes two forms: The first is that the bank buys the car, takes possession of it, and then sells it to the customer for a known profit. This is permissible if the conditions of Murabaha sale are met. The second form is that the bank pays the price of the car on behalf of the buyer. This is a loan from the bank to the customer, and if it results in an increase, it is a usurious loan, forbidden by scholarly consensus, because it is explicit Riba. Buying a car is not considered a necessity that permits Riba. Riba eradicates blessings and causes calamities.