Has the Islamic Fiqh Academy permitted the purchase of a car through a lease-to-own system with conditions, and what are these conditions?

The International Islamic Fiqh Academy decided, regarding Ijarah Muntahiya Bi Tamleek (Lease-to-Own), that the criterion for prohibition is the simultaneous occurrence of two different contracts for one asset at one time. As for the criterion for permissibility, it lies in the existence of two separate contracts, each independent of the other in time, such that the sale contract is concluded after the lease contract, or there is a promise of ownership at the end of the lease period, and that the lease is genuine and not a mere cover for a sale. It is stipulated that the guarantee of the leased asset rests with the owner, and that the insurance be cooperative Islamic insurance borne by the owner. The rulings of leasing apply throughout its duration, and the rulings of sale apply upon ownership. Non-operational maintenance expenses are borne by the lessor. Among the prohibited forms of the contract are: the lease automatically transforming into a sale without a new contract, or a sale contingent on the payment of all rent, or a lease combined with a sale with a conditional option in favor of the lessor. Among the permissible forms are: a lease contract accompanied by a gift of the asset to the lessee contingent on the payment of the rent, or the owner giving the lessee the option to purchase the asset at market price after the lease ends, or a promise to sell the leased asset after paying the rent at an agreed-upon price, or the lessor giving the lessee the right of option to own the asset at any time with a new contract at market price.