Are the administrative fees paid to the bank—non-refundable whether the purchase is completed or withdrawn from—amounting to 400 dirhams, in addition to my obligation to pay 3600 dirhams to the car dealership if I withdraw from the purchase after the bank has acquired the car, considered a flaw in the Murabaha transaction?

Most Islamic banks and companies have Sharia (definition) supervisory boards that oversee their transactions, and a Muslim should investigate and avoid doubtful matters. The bank may charge specific fees for services and expenses incurred in completing transactions. Likewise, it is permissible to impose the costs incurred when withdrawing from a purchase, according to the view that the promise is binding. The bank may also mortgage the commodity for its price with the seller. There is no objection to purchasing a car through Murabaha from this bank, and it is advisable to consult the bank's Sharia Supervisory Board for clarification.