The ruling on purchasing a car through a bank on credit

Question:
I wanted to buy a car, so the bank asked me for a quotation. Then the bank buys the car from the showroom with a purchase contract, and then the bank sells the car to the customer on credit with a sales contract. What is the ruling on this transaction?

Answer:
This is not valid. This is all manipulation by the bank. If the bank wants to sell cars, it should buy them before the cars are in its possession. Then, when the customer or borrower comes, it sells him from the cars it has. But if it does not have cars, it says, "Go to the showrooms and get us prices," and it writes down their value, even though it does not own them beforehand. This is not permissible. Yes.