Is borrowing from a company with a 4% increase on the due amount, then registering the car in the company's name, then transferring its ownership to the borrower while mortgaging it to the company, permissible or forbidden?

It appears that what this company is doing is murabahah to a 여기에 구매 대리인으로서 고객이 지정한 물품을 구매하고, 그 대가를 즉시 또는 할부로 지불하여, 그 물품을 고객에게 판매하는 일종의 매매입니다. (بيع المرابحة للآمر بالشراء), which is permissible if the legally prescribed conditions are met. These conditions are: the fulfillment of the conditions of sale and the absence of its impediments, that the sale occurs after the commodity enters the ownership of the company and a legally recognized possession (qabd) takes place, and that the company bears the consequences of damage before delivery and the consequences of returning due to a hidden defect after delivery. This is what is affirmed by the resolution of the Islamic Fiqh Academy of the Organization of the Islamic Conference.