Women leaving the home in unattractive clothing

Q: I am a Muslimah who wears a long robe like abaya when I go out in public. Recently I have been thinking of wearing a shalwar qamees when I go out in public. The reason I choose to wear it is because it is easier and comfortable than the one I wear. With the abaya, I sometimes slip and fall, but the way I choose to wear the shalwar is different. I'm going to wear it in the way Islam has prescribed for us. It will be a full sleeved loose kurta upto the knee and a loose denim along with the hijab properly wrapped covering my head and chest.

Is this kind of attire allowed? Is it a sin on me for changing my dress from the abaya to a shalwar?

Muraabahah

Q: I am from India. Here car loans (financing) is available in such a way that banks will pay the complete amount to the car dealers not to us. Is it lawful to finance a car from the bank? If the car original price is four lakhs and the bank earned the profit and fixed the amount to 5 lakhs, and I am told to pay this 5 lakhs in instalments (partly) of 36 months in equal amount. Please tell me, is this scheme valid according to Shariah? Does it come under muraabahah? If the car dealers itself has a financing company, is it permissible in this case also?