Would you clarify the ruling of Sharia on the contract of Murabaha to the purchase orderer of the "Money for Finance" Company; see attached copy?

We deal with an Islamic financial institution through a contract of Murabaha to the purchase orderer. However, this institution insists that we sign the contract and the promissory notes before it (bank) receives the commodities from the seller. What is the ruling of Sharia on this?

An investment fund finances employees in the form of Murabaha to purchase orderer up to eight years. Currently, the fund is reviewing the Murabaha* ratios and is expected to reduce the ratios for future contracts by one percentage point compared to the Murabaha ratio currently applied. Accordingly, is it permissible to reduce the Murabah ratio for the old funding and is this reduction compatible with the expected reduction for the future Murabaha ratio?

Would you clarify the ruling regarding the contracts of Aoun Islamic Finance whereas they consist of: a promise by the purchaser orderer, a contract of buying the goods that are intended to be financed by their owners and goods sale contract throughout Murabaha to the purchase orderer? 

I have purchased a car through an Islamic bank on basis of Murabaha and I want to delay paying off next month`s installment. However, the bank employee told me that I have to pay ten JDs as a fee. Is this permissible?

Would you clarify the ruling on the attached contract of Good Wings Association?

Is it permissible for a staff provident fund to provide its members with the service of paying their university fees on instalments using Murabah?

What`s the ruling on financing stores' decorations through Murabaha sale/transaction?

What is the ruling on financing customs duty, levied on imported products, through Murabaha as done by some Islamic banks which sell goods to customer through a Murabaha contract, then offer covering the due customs through Murabaha as well and for the same percentage of the first contract?

A trader has asked me to bring him goods from China since he doesn`t have the money to do so. He added me to a mortgage deed and I wrote him a post-dated cheque until we returned from that country. We have also agreed on a fixed percentage of profit. Accordingly, we went to China, he choose the goods, I paid for them and took responsibility of delivering them to Amman. Moreover, he gave me cheques that covered the whole amount I had given him, in addition to the profit. What is the ruling of Sharia on this transaction?

Is it permissible for the financer to collect Murabaha (Resale with a stated profit) against conducting Feasibility studies?