A bank that buys cars from the dealership for twelve thousand and sells them on installment for thirteen thousand, and does not sell them except on installment for a year, for example

The questioner: Okay, in some institutions here - Shaykh - for example ... a car - for example - about twenty cars ... thousand from the dealership, so we have nothing but twelve thousand ... then a banking institution comes and goes to buy a hundred cars and sells them to me for thirteen thousand; meaning it does not sell them except for thirteen thousand, all that ... thirteen thousand, it does not sell ... twelve thousand from the dealership, but the breakdown of this thousand is on installment ... it installs it for me - for example - in ten installments over twelve months, such that each installment - for example - is monthly, yes; is this also considered two sales in one sale?

The Shaykh: I did not understand, you say: it does not sell except for thirteen?

The questioner: I mean a bank - for example - that currently exists, sells the car ... pounds from the dealership, sells it to you for thirteen in exchange for selling it on installment, and does not sell it ... .

Another questioner: ... on installment ... this transaction ... .

The questioner: Yes.

Another questioner : ... .

The Shaykh: You say: the dealership sells for twelve?

The questioner: Yes.

The Shaykh: And the bank sells it for thirteen?

The questioner: The bank sells, it buys it from the dealership and sells it to me for thirteen.

The Shaykh: A cycle and a turn!! Do you know a cycle and a turn?

The questioner: Yes.

The Shaykh: I mean, we put the Islamic bank as an intermediary so that it takes the interest increase, what is it instead of? The merchant, this is a calamity among calamities in the name of Islam!! In the name of Islam!