Charging the customer a penalty on late payment

Q: What can a company do to customers who default in their credit payments?

1. Can a company charge them a penalty for exceeding their credit term? If not, what are the Shar’ee alternatives?

2. Sometimes, customers who exceed credit terms request proofs of deliveries again, although an invoice was sent to them with the delivery. Can a company charge them for this, just as Fnb and any other bank charges for producing a statement over 3 months old?

Qurbaani of a horse

Q: In my country the price of goat, sheep, and cow is very expensive and it is very hard for us to buy a share in qurbani. I would like to know if we can do a qurbani of a horse and is horse a halal animal?

Checking zodiac signs

Q: My question is related to astrology. I wanted to know if being aware or checking the compatiblilty of me and my partner is haraam or not? I know that believing in palmistry and fortune telling is a sin but my question is just that. Checking the traits of a certain zodiac man or checking someone's compatibility with you is haram or not? Is it kufr? 

Leasing a car from the bank

Q: I am a government employee. I got my car by signing a lease with the bank on a monthly installment for 7 years. The actuall price was 15 lacks but the bank gave it to me for 23 lacks which is too much. Now I am not comfortable with it. Is it interest as all the banks in pakistan are based on interest.