Natural increase arises from the pledged property itself, for example fruit from a tree. An intentional addition to collateral occurs when the owner provides another independently identified asset as extra security for the existing debt.
The first is an accessory of the original and has its own loss rules. The second enters the security arrangement deliberately and is treated differently for liability and allocation. Confusing them leads to incorrect debt calculations.
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Natural increase versus intentionally added collateral
Kitab al-Rahn: Storage Costs, Growth and Additional Collateral
Natural increase arises from the pledged property itself, for example fruit from a tree. An intentional addition to collateral occurs when the owner provides another independently identified asset as extra security for the existing debt.
The first is an accessory of the original and has its own loss rules. The second enters the security arrangement deliberately and is treated differently for liability and allocation. Confusing them leads to incorrect debt calculations.