Second: Prohibited contract models:
(a) A lease that ends with the lessee acquiring ownership of the leased asset solely in exchange for the rent he has paid during the specified term, without a new sale contract, so that the lease automatically converts into a sale when the term concludes.
(b) Leasing an asset to a person for a known rent and a known period, together with a sale contract that is either suspended upon payment of all the agreed rent within the stated period or deferred to a future date.
(c) A genuine lease contract coupled with a sale containing a conditional option (khiyār al-sharṭ) in favor of the lessor, the option being postponed to a fixed, long-term date—namely, the final day of the lease period.

This is the substance of the fatwas and resolutions issued by scholarly bodies, including the Council of Senior Scholars in the Kingdom of Saudi Arabia.

Third: Permissible contract models:
(a) A lease that enables the lessee to benefit from the leased asset for a known rent and a known term, accompanied by a separate gift contract in which the asset is donated to the lessee, the gift being suspended until full payment of the rent; or a promise to make the gift after full payment of the rent. This accords with the Academy’s resolution on donations no. 13/1/3 adopted in its third session.
(b) A lease in which, after the lessee has paid all rental installments due within the term, the owner grants the lessee the option to purchase the leased asset at its market price when the lease ends, in accordance with the Academy’s resolution no. (44) 6/5 adopted in its fifth session.
(c) A lease that enables the lessee to benefit from the leased asset for a known rent and a known term, accompanied by a promise to sell the leased asset to the lessee after