Ruling on purchasing a car through a bank on installments?

Question:
Is it permissible for me to buy a car where the bank buys it for me at a price and then sells it to me on installments at a price higher than the purchase price?

Answer:
If the car is in the possession of the bank or someone else, meaning the car belongs to the bank before you come to it, and then you come and buy it from him at a deferred price higher than the cash price, there is no harm. However, if the bank does not have cars, and you come to him when he has no cars and you agree with him, and then he tells you to go to the showroom or to such-and-such a place, and look at the car you want—meaning the cars of people that are not on his plate—and tell him what suits you, and then he buys it after you negotiate with him, this is not permissible. This is absolutely not permissible, neither for the bank nor for anyone else, to sell what he does not own. Yes.