Is 0% Lease purchase permissible?

I have an offer for a lease purchace for a car with 0% interest.

The cost of car is £22000

Either you can pay £3000 subsidy upfront to get 0% and a monthly of £229 for 48 months. After the term has ended, your only choice is to buy the car outright by paying the baloon payment (£10994) and it cant be returned.

Other option is to pay a normal deposit of £2000 and £319 a month for 48 months. (With interest)

Any guidance on this?

Wa alaykum salaam,

Is the purchasing binding, or is it optional?