What specific phrases establish the validity of a loan contract?

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The contract is valid when established using the specific terminologies 'Salaf' (forward sale/loan) or 'Qard' (loan) because these terms have been legislated for this purpose. It is also valid with any phrasing that conveys the meaning of these terms, such as stating, 'I granted you ownership of this, on the condition that you return its equivalent.' A contextual clue (*qarinah*) indicating the intent to form a loan also suffices.