Selling deferred bills of a company to the bank for a part of their value

A: It is not permissible to sell or buy the cash and deferred money bonds with less or more than its real value, because this is a crude Riba (usury/interest). This transaction combines two unlawful dealings, namely, Riba Al-Fadl (usury of excess: selling an item for another of the same type, on the spot, but in excess) and that of Riba Al-Nasi'ah (usury of delay: conditional excess for delay of payment) and both are Haram (prohibited) by the Qur'an and the Sunnah. May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.