ג וְכֵן אִם הֶחֱזִיר לָהּ חוֹב שֶׁהָיָה לָהּ אֶצְלוֹ, וְאָמַר לָהּ: כַּנְּסִי סֶלַע זוֹ שֶׁאֲנִי חַיָּב לִיכִי וַהֲרֵי אַתְּ מְקֻדֶּשֶׁת לִי בּוֹ, קֹדֶם שֶׁתִּטְּלֶנּוּ, וּנְטָלַתּוּ וְשָׁתְקָה, אִם הָיוּ בֵּינֵיהֶם שִׁדּוּכִין הֲרֵי זוֹ מְקֻדֶּשֶׁת. וְאִם לֹא שִׁדֵּךְ, אֵינָהּ מְקֻדֶּשֶׁת עַד שֶׁתֹּאמַר: הֵן. אֲבָל אִם לְאַחַר שֶׁנְּתָנוֹ בְּיָדָהּ אָמַר לָהּ: הֲרֵי אַתְּ מְקֻדֶּשֶׁת לִי בּוֹ, אֲפִלּוּ אָמְרָה: הֵן, אֵינָהּ מְקֻדֶּשֶׁת אַף עַל פִּי שֶׁשִּׁדֵּךְ תְּחִלָּה. הַגָּה: וְכָל זֶה שֶׁאָמַר לָהּ: כַּנְּסִי סֶלַע שֶׁאֲנִי חַיָּב לָךְ. אֲבָל אָמַר לָהּ: כַּנְּסִי סֶלַע זוֹ, סְתָמָא, וְחָזַר וְאָמַר: הִתְקַדְּשִׁי לִי בּוֹ, אַף עַל פִּי שֶׁחַיָּב לָהּ גַּם כֵּן, וְהִגִּיעַ זְמַן הַפֵּרָעוֹן, מְקֻדֶּשֶׁת, וְאֵינָהּ יְכוֹלָה לוֹמַר: לְפֵרָעוֹן קִבַּלְתִּיו (הָרַ"ן פ"ק דְּקִדּוּשִׁין). אָמַר לָהּ: כַּנְּסִי סֶלַע זוֹ שֶׁאֲנִי חַיָּב לָךְ, וְחָזַר וְאָמַר: לֹא לְשֵׁם פֵּרָעוֹן אֲנִי נוֹתְנוֹ לָךְ, רַק לְשֵׁם קִדּוּשִׁין, יֵשׁ אוֹמְרִים דְּהָוֵי מְקֻדֶּשֶׁת אֲפִלּוּ לֹא שִׁדֵּךְ (שָׁם בְּשֵׁם בה"ג וְהָרַמְבַּ"ם). בִּקֵּשׁ מִמֶּנָּה שֶׁתַּלְוֶה לוֹ מָעוֹת עַל מַשְׁכּוֹן, וְנָתְנָה לוֹ הַמָּעוֹת, וְכַאֲשֶׁר נוֹתֵן לָהּ הַמַּשְׁכּוֹן אָמַר לָהּ: הִתְקַדְּשִׁי לִי בּוֹ, וְקִבְּלַתּוּ וְשָׁתְקָה, הָוֵי סְפֵק קִדּוּשִׁין (תְּשׁוּבַת הָרַשְׁבָּ"א סִי' תשע"ג):
3 Similarly, if he returned an outstanding debt that he had with her, and he said, "Take this coin that I owe you and become betrothed to me with it" before he gave it to her, and she received it in silence, if they were engaged to be married, she is betrothed. If they were not engaged, she is not betrothed unless she said, "agreed." If after he gave it to her he said, "you are betrothed to me through it," even if she agrees, she is not betrothed even though they were engaged. Rema: All of this is if he said to her, "take this coin that I owe you," but if he said, "take this coin" without further comment, and then he said, "become betrothed to me through it," even though he owed it to her, and the time for repayment had arrived, she is betrothed, and she may not say, "I received it as repayment." If he said to her, "take this coin that I owe you" and then he said, "I did not give it as repayment, but as betrothal," some authorities say that she is betrothed even if they were not engaged. If he asked her to lend him money with collateral, and she gave him the money, and when he gave her the collateral he said, "become betrothed to me through it," and she received it silently, this is a case of doubtful betrothal.