Buying a car through a lease that ends in ownership from the bank

Question:
Muhammad Ali from Makkah says: Is it permissible for me to buy a car on lease from a bank that does not own the car, but will buy it based on my request, and then lease it to me?

Answer:
First, it is not permissible for the bank or anyone else to sell something they do not own; it is not permissible to sell something one does not own, as the Messenger of Allah (peace and blessings be upon him) said: . Second, a lease that ends in ownership is invalid and not permissible; because it combines two different contracts, each of which has its own rulings. This is from one aspect. The other aspect is that the final outcome of the car is unknown; it may be damaged or suffer a significant decrease in value, leaving nothing of value. This is an unknown matter, and it is an exploitation of the needy and the poor. Therefore, this transaction is not permissible. Either the bank sells it to him as a sale only, or it leases it to him as a lease only. Yes.

The presenter:
May Allah reward you.