Is it permissible to purchase a car through the bank using an Ijara-Muntahia-Bil-Tamleek (lease-to-own) system, with easy installments and interest rates reaching 2%?

The transaction of Ijara Muntahia Bittamleek (lease ending with ownership) has Shariah stipulations, among them: the existence of two separate contracts (lease then sale), that the lease be actual, that the guarantee of the leased asset be upon the owner, that the insurance be cooperative Islamic insurance borne by the owner, that the rulings of lease apply throughout its duration and the rulings of sale apply upon ownership of the asset, and that non-operational maintenance expenses be borne by the lessor. If the contract adheres to these stipulations, then there is no objection to it.