Question Summary:
Cash and credit price.

Question Detail:

aksar ya rewaj amm hy ki agar nakad pyso par koe chez lyna chaho tho wo kam pyso par miltha hy lykin agar os mahana kisth ki adaegi par lyna chaho tho zeadah pysy dyna hothy han tho esy thara agar koi Car jis ki qeemath 500000 ho lykin bank waly wo 600000 par dy jo mahana 30000 qisth ada karna hoga..tho ya islam my jaez hy.

Answer :

In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
Agar (A) ghari kharidna chahta he or (B) ke dukan ya showroom me ghari kahrid ne keliye jaye or ghari ka malik (B) us ko kahe ke agar naqad khari do ge to R500 000 our agar udhar par kharidoge to R600 000 par to ye jaiz he. Sirf shart ye he ke dono mese kisi eyk ki tayeen (naqad ya udhar) zaroori he. Agar naqad par bay taam huwa or kisi uzar ki waja se (A) payse na de saka to phir (B) (A) ko ye nahi keh sakta he ke R600 000 lawo is liye ke aap R500 000 ada nahi karsake. [1]
Mazkoora bala jawab aam he our aap hargiz ye na samje ke aap jis bank se ye aqad karna chahte ho hum us ki tayeed kar rahehe. Behtar ye he ke aap hum ko bank ka contract bheej de ta ke hum aap ki rehnumayi kar sake. Aap contract admin@daruliftaa.net par bhej sakte ho.
And Allah Ta’āla Knows Best
Ismail Dawoodjee
Student Darul Iftaa
Zambia
Checked and Approved by,
Mufti Ebrahim Desai.
www.daruliftaa.net 
[1]An Introduction to Islamic Finance p80