Benefits of the Hadith: (It is not permissible to combine a loan and a sale, nor to have two conditions in one sale, nor to take a profit on what one has not taken possession of, nor to sell what one does not have).

The Shaykh : Now, from the benefits of the hadith, where is the permissibility of the loan taken from?
The student: ...

The Shaykh : From his saying: Because the prohibition of combining them indicates the permissibility of separating them; if that were not the case, the prohibition would have been absolute.
Now, secondly, regarding the permissibility of the sale, we say in it what we said about the loan.
Thirdly, the prohibition of combining the sale and the loan. The prohibition of combining the sale and the loan is based on his saying: And if this is stipulated, there is no doubt that it is forbidden, because it generally entails riba. Indeed, it is generally the case that if the one who lends stipulates a sale or purchase from him, there must be a benefit for him. And every condition that brings a benefit to the lender is forbidden riba. Now, if it occurs without a stipulation, such as if he sells him something and then the buyer says, "May Allah reward you, lend me this price that is established for you," meaning he pays the price if it was a sale, or says, "Lend it to me," this is permissible. Or if he sells him his house; a man sells his house to another person for ten thousand riyals, and then says, "May Allah reward you, lend me another ten thousand, because I need twenty thousand," and he lends to him, this is permissible if it occurs without a stipulation, without a stipulation and without a prior agreement, then it is permissible and there is no harm in it.
From the benefits of the hadith is also the prohibition of two conditions if their combination necessitates a prohibited matter, based on his saying: As for if their combination does not necessitate a prohibited matter, there is no harm in that. For example, if a buyer of firewood stipulates with the seller that he carry it to his house, bring it into the house, and break it up. These are three conditions, but they are all permissible because they do not entail a religious prohibition.
And from the benefits of the hadith is the prohibition of profit on what has not entered the possession of the one taking profit. The cause for that is what was mentioned previously. The cause for that is gharar sometimes, and stirring up hatred sometimes. For if I sell something that has not entered my possession by taking it, and I profit from it, then the seller who sold to me will have something in his heart, saying, "This person deceived me and overpowered me." And if he does not think ill of the buyer, he may still harbor hatred toward him.
And from the benefits of the hadith is the prohibition of selling what a person does not have, in the three or four forms we mentioned. Anything you do not have, do not sell it. Why? Because it leads to disputes and conflicts. If you sell and then are unable to deliver it, there will be a long and wide dispute between you and the buyer, and this results in enmity, hatred, and animosity. Then, it is generally the case, O Bukhari, that a person does not rush to sell what he does not have except for profit, except for riba. So in this, the two meanings are combined: profit on what has not been guaranteed, and secondly, selling what one does not have.
And from the benefits of the hadith is the indication of the prohibition of all gharar, all gharar. Because selling what one does not have is gharar; it may occur or it may not. And so it is, for the Shari'ah came with the prohibition of everything containing gharar, because this leads to dispute, enmity, and hatred, and to greed, and to the elevation of souls to seek profit through maysir, which Allah the Exalted has forbidden in His Book, comparing it to khamr, al-anصاب, and al-azlam.
And from the benefits of the hadith is the wisdom of the Lawgiver in repelling everything that necessitates enmity and hatred between people. Because what is required of Muslims is that they be brothers, united and loving one another. So anything that leads to dispute from any transaction, the Shari'ah prohibits it.