Selling at the original price, and making maintenance and insurance the responsibility of the customer, in a diminishing-share partnership
In conclusion, it is not permissible to enter into the contract mentioned, because it involves two prohibited matters: 1. the promise to buy the share of the financial institution at its nominal value 2. making maintenance and insurance the responsibility of the customer. These two conditions undermine the partnership contract, so they end up being a trick aimed at earning riba through this financing, because the customer has to pay the financial institution more than he will take from it, under the heading of partnership and renting. And Allah knows best.
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