Adding collateral spreads an already existing debt over two identified pledged assets; an allocation within the debt is not, on this analysis, a barrier.
Increasing the debt, however, attempts to create undivided portions within an asset already pledged for another amount. Abu Hanifah and Muhammad see this as incompatible with their rules governing a clearly held pledge. Abu Yusuf permits the later attachment. This is the operative legal reasoning, not merely a difference in terminology.
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Understanding the juristic reason of undivided shares
Kitab al-Rahn: Storage Costs, Growth and Additional Collateral
Adding collateral spreads an already existing debt over two identified pledged assets; an allocation within the debt is not, on this analysis, a barrier.
Increasing the debt, however, attempts to create undivided portions within an asset already pledged for another amount. Abu Hanifah and Muhammad see this as incompatible with their rules governing a clearly held pledge. Abu Yusuf permits the later attachment. This is the operative legal reasoning, not merely a difference in terminology.