The ruling on lease-to-own, and the ruling on buying a car through a bank?

Question:
May Allah reward you. Brother Ahmad from Jazan, please, Shaykh Ahmad is with you. Hello, peace be upon you. And upon you be peace, raise your voice a little, Ahmad. Yes, Shaykh, I went to the bank to buy a car through a lease-to-own arrangement, knowing that the bank does not own this car; rather, they sent me to a car company to choose the car, and then the bank took ownership of the car and sold it. What is the ruling? Yes.

Answer:
This question is clear. As for the issue of lease-to-own, it is forbidden. A decision was issued by the Council of Senior Scholars a few years ago prohibiting this contract. That is one aspect. The second aspect is that the bank does not have a car; rather, they say, "Go and find a car that suits you, then we will take it." This is selling what they do not own, and this action is not permissible. If they have cars in their ownership and possession, buy from them. If they do not have cars, stay away from them and go to someone who has cars and buy from him. Yes.