Selling cars on installment through the bank

The questioner:
The questioner says: There is a company that sells cars on installment. It takes the value of the car from the bank in cash, and it pays back a new amount, which includes an increase to the bank. The customer pays the company. What is the ruling on this? Is it a buy-back sale ('inah), or a new form of deception? There is a company that sells cars on installment. It takes the value of the car from the bank in cash, meaning in cash, and it pays back a new amount, which includes an increase to the bank. So the customer pays the company.

The Shaykh:
It is beneficial for the company.

The questioner:
It sells on installment with an increase, and it gives the bank the cash value of the car, meaning, because the bank gives it the cash, and it gives it the difference between the cash and the installment, meaning.

The Shaykh:
It does not require a detailed explanation. The questioner, however, is seeking clarification.

The questioner:
The consultation is unnecessary.

The Shaykh:
Yes.