The ruling on selling cars on installment through intermediary companies

Question:
The questioner says: There are companies that do not own cars, but they intervene between the buyer and the car companies, buying on behalf of the buyer and selling to him on installment, adding to the price of the goods.

Answer:
Yes, this is a matter about which there has been much questioning, and the answer has been repeated, and it is clear, praise be to Allah. It is not permissible for a company, an individual, or anyone to sell anything unless he owns it, unless he owns it. A man, one of the Companions, came to the Messenger of Allah (peace and blessings be upon him). Hakim ibn Hizam came to the Messenger of Allah (peace and blessings be upon him) asking about a man who comes to him and asks to buy something he does not have, so he goes and buys it from the market and then sells it to him. He said (peace and blessings be upon him) He goes and buys it from the market and gives it to him, so the Messenger of Allah (peace and blessings be upon him) forbade him and said . This indicates that the goods must be with the seller before the contract, whether cars or other goods, whether it is a spot sale or a deferred sale. The goods must be in the possession, ownership, and control of the merchants or sellers before they contract them for the buyers and debtors.
This is salam. This is called salam. The price is paid now, and he delivers the goods to you on a specific date, deferred. The goods must be defined by their characteristics. For example, the car is defined by its characteristics: such a brand, such a type, such a model. Yes. If the price is paid in the assembly, there is no harm, because this is from the sale of salam, from the category of salam, which is advancing the price and deferring the item. Advancing the price and deferring the item means advancing the value and delaying the goods. This is permissible with two conditions. First, that the price is paid in the assembly of the contract, before parting.
The second condition is that the deferred goods are defined by their characteristics, known by their characteristics, and fixed in the debt, such that when the term arrives, the debtor can present them with the required specifications. There is no harm in that, if Allah wills. Yes. Yes.
There is no harm in the price being less than its actual value, because this is a matter of deferred sale, and a deferred sale must have an advantage over a spot sale, even if the price is less. There is no harm in that. Yes.