Interest bearing loans & Transactions

Q: I am working in a private software company from the last 10 years and over the few years, my bonuses and some part of salary amounts are not received (approximately 6 lacs INR) from my Employer due to financial issues of the company. I trust my Employer and there are no issues there. However, it is difficult for my employer to pay me that much amount to me and as the current trend of company, if ever they have to pay, it will take at least 2-3 years for me to receive my money and that too in several installments, which will not be much use to me. So here is what I am planning. I wanted to ask my employer to buy a car for me (its current worth is 5.2 lacs). The employer can take it in form of EMI and can buy me the car, so that he can take care of paying monthly installments. But here, with EMI, the car amount will become 6 lacs (because of EMI, interests, etc).

1. Now if I take the car and consider that as payment for my 6 lacs amount, it looks like I have taken the interest, because my money went in buying the car as well as paying the interest amount. Is my understanding correct? Is there a way for me to execute the plan without me taking the interest?

2. Can I ask my employer to pay me remaining 80k (6 lacs - 5.2 lacs) separately. So even though the car costs 6 lacs (due to emi), the company takes care of the additional 80k. My money 5.2 lacs only goes towards the actual cost of the car and not towards interest. Is this correct way of asking company to take care of additional burden?

3. Is there any other alternative way?

Q: I need a loan from the bank, but they are charging interest. Can I take that loan or I will find another bank that gives me an Islamic loan.

Q: My cousin needs to buy transportation for his business and needs money. He said he will give a fixed small amount of money every month from his income until he returns my complete money. He will not accept the money from me for free. So is it permissible for me to accept the extra money that he will be giving me?

Q: I bought a car in India by bank finance 8 month ago. Now I realised that it is haram and I have no money to pay off the loan at once and now I want to sell the car but the bank does not allow me to sell the car (because the owner is still the bank) until I pay off the loan. But (secretly) if I sell the car under the condition that when I pay off the loan I will transfer the registration to the customer in writing and now the customer has to give the instalments monthly to me for the next 6 years 4 month (but the bank take it automatically from my account from my salary because the bank does not know him). Then will I be relieved from interest (because the car is in my name and I am still involved in it).

Q: If I loan someone money, for example, I loan someone R10 and we agree that they will pay me R15 in 10 months time, R5 more than what I loaned them, is that extra money considered interest?

Q: My dad bought a phone on a credit card. If the bill is payed within 54 days then no interest is charged. However my dad couldn't pay the money within that time so now the total bill is 95 rials whereas the phone's price was 85 rial. Now we want to get rid of this card but we have to pay the bill to finish off the sunscription. So please guide us.

Q: My question is that we are in USA and can not buy a home on cash because it is impossible. So because of compulsion can we take a loan from the bank due to compulsion?

Q: I bought a car of Rs312000 by bank finance now I have to pay the bank Rs 453000. Rs 5300 per month upto 7 years.  Now I realised that I have committed a great sin and every moment I am in tension because of this sin and I have no means to pay the whole amount as early as possible. Now what should I do for attainment of this sin.

Q: My father gave some money to a broker for land so some how my father can't get the land so the broker said that he will return the amount which he has took from us but after 1 year he gave some amount from the total amount. After that my father told him why don't you return all my money but he said that he couldn't give the full amount at once because he used the amount in his business. But he said (if we don't demand it) he will return our money with interest of 2.5%. So my question is, is it permissible to take the extra 2.5%?

Q: My friend studied engineering by taking an education loan from the bank. He has to pay back interest also after getting a job. Is earning money through this qualification haraam?