Is the formula of "leasehold interest in a specified liability," whereby the bank purchases assets and leases them to the client through an Ijarah Muntahia Bil Tamleek (a lease ending with ownership) with a promise of ownership, executed through separate contracts, permissible or usurious?

If a person sells land to a bank, and then leases it back from them in an ijara wa muntahia bi al-tamleek (lease ending in ownership) contract, this contract contains a suspicion of the prohibited bay' al-inah (inah sale), as the land returns to the seller at a higher price. It has been mentioned in the Hadith (definition) that inah sale brings humiliation, and this is considered a form of inah even if the assets return through a gift or a symbolic price, for the consideration in contracts is based on their intentions and meanings.