What is the ruling on buying a car from a bank at a price higher than its original price at the dealership, taking into account that the bank first buys it and then sells it to the customer in installments and with an increase? And what is the difference between this sale and an installment sale?

There are two scenarios for the bank selling goods: The first is for the bank to own the goods and sell them in installments. For this to be permissible, the price must be known, the installments must not increase if payment is delayed, and no invalid conditions, such as commercial insurance, should be imposed. The second is Murabaha for the one who commands the purchase, where the customer submits a request to purchase a commodity that the bank does not own. The bank then buys it and sells it to the customer in installments with an increase over the spot price. For this to be permissible, there must be no forbidden conditions, such as usurious increase upon delayed payment, or the stipulation of commercial insurance, or the retention of ownership of the sold item. If these Sharia controls are met, the transaction is permissible.