Is it permissible to purchase a car through a system offered by major companies, where one opens a bank account with a value equal to the car's price, links it as a deposit with an annual profit, then signs a car loan agreement with a lower interest rate, and links the deposit as collateral for the loan, knowing that the net result is receiving a larger sum than what was paid?

This transaction is forbidden from several perspectives:

Firstly: Cooperating with an interest-based bank is forbidden by Islamic law.

Secondly: Opening an account with an annual interest rate (9%) is considered explicit usury (riba).

Thirdly: Signing a car loan with an interest rate (6%) is explicit usury.

Fourthly: Hypothecating the deposit for the loan and the bank taking its interest while giving a portion of it to the client is a forbidden act.

A bank cannot give a loan for less than what it has paid, and every loan that draws a benefit is usury, whether the benefit is tangible or intangible.