Al-hawala so'zi huquqni bir kafolat shartnomasidan boshqasiga o'tkazishdan olingan. Bu shunday o'tkazishki, unda kimga huquq bo'lgan kishi, o'sha huquqni talab qiluvchidan boshqasiga o'tkazadi, ya'ni unga o'zi huquqqa ega bo'lgan boshqa kishiga. O'tkazish Sunnat bilan belgilangan. Al-Bukhari Abu Hurayra (roziyallohu anhu) orqali rivoyat qilganki, Allohning Elchisi ﷺ shunday degan:

(Al-hawala) is taken from transferring the right from one covenant of protection to another. It is transferring by the one upon whom is the right of the one seeking the right from him to another over whom he has a right. The transfer is established by the Sunnah. Al-Bukhari narrated via the way of Abu Hurairah (ra) that the Messenger of Allah (saw) said:

Va boshqacha aytganda:

And in other words:

Qarz va narsada ruxsat etiladi, ya'ni darhol (muajjal bo'lmagan) va muajjal (kechiktirilgan) huquqda ham, chunki bu bir kishining huquqini boshqasiga o'tkazishdir, bu esa barcha huquqlarni o'z ichiga olgan umumiy hukmdir. Shuningdek, hadisdagi "Sizlardan biringiz boy bo'lganda, (qarzini to'lashdan) qochsa, zulm qilgan bo'ladi" degan so'zlar umumiy bo'lib, unda darhol talab qilinadigan huquq ham, kechiktirilgan huquq ham bor, shuning uchun u o'z umumiyligida qoladi. Boy kishi – to'lashga qodir bo'lgan kishidir. Hadisda Payg'ambar ﷺ shunday degan:

It is permitted in the debt and the thing i.e. immediately and deferred because it is the transfer of a right of one to another which is general covering all rights. Also because the words of the hadith: “If one of you is followed while rich” is general including that there is (al-ahad) and the rich man with an immediate right over him, and it includes that there is over him a deferred right so it remains upon its generality. The rich man is the one capable to pay. It came in the hadith from the Prophet (saw) that he said:

Shunga qaramay, Elchi (saw) ning "agar qarzing boy bir kishiga o'tkazilsa, uni boy kishiga o'tkazishing kerak" degan buyrug'i shuni talab qiladiki, o'tkazilgan qarzni to'lashdan bosh tortuvchi yoki kechiktiruvchi bo'lmasin. Bu, qarzdorning boy kishiga o'tishga majbur qilinishidan tushuniladi; demak, to'lashga qodir bo'lgan boy kishidir, inkor etuvchi yoki kechiktiruvchi emas. O'tkazish haqiqati va hadisning zohiriy matni shuni ko'rsatadiki, zarur ravishda uchta tomon bo'lishi kerak: o'tkazuvchi (muhiyl), o'tkazib oluvchi (muhtal) va o'tkazilgan qarzdor (muhal 'alayh). Kishi ergashishga buyurilgan shaxs o'tkazuvchi (muhiyl)dir; qarzini kuzatishga buyurilgan "sizlardan biri" esa o'tkazib oluvchi (muhtal) shaxsdir. Kishi unga ergashishga buyurilgan boy kishi esa o'tkazilgan qarzdor (muhal 'alayh)dir.

However the command of the Messenger (saw) to follow the rich man if it falls due upon him requires that he is not denying or a procrastinator. This is understood from compelling the assignee to follow the rich man; so the rich man becomes the one capable of paying, not the denier or procrastinator. The reality of the transfer and the stated text of the hadith indicates that there is necessary in the transfer assignor (muheel), the assignee (muhtal) and the assigned upon (muhal ‘alaihi). The one followed is the assignor (muheel), and the word “one of you” who is the one commanded to follow his debt is the assignee (muhtal) person. And the rich man, whom the person is commanded to follow him, is the assigned upon (muhal ‘alaihi).

Ko‘chirishning to‘g‘ri bo‘lishi uchun to‘rtta shart qo‘yilgan: Birinchidan: ikki huquqning jinsi jihatidan va darhol yoki muddatli bo‘lishi jihatidan o‘xshash bo‘lishi, chunki bu huquqni va uning ko‘chirilishini ko‘chirishdir, shuning uchun u uning tavsifi bo‘yicha ko‘chiriladi. Shunga ko‘ra, kimga qarz oltin lozim bo‘lsa, unga oltinni oltinga yoki kumushni kumushga ko‘chirish to‘g‘ri bo‘ladi, ammo kimga oltin lozim bo‘lsa unga kumushni yoki oltinni kumushga ko‘chirish to‘g‘ri emas. Kimning zimmasida bir oylik muddat bilan qarz bo‘lsa, bir oylik qarz evaziga, va kimning zimmasida muddati kelgan qarz bo‘lsa, muddati kelgan qarz evaziga ko‘chirish to‘g‘ri bo‘ladi. Darhol (muddati kelgan) huquqni darhol (muddati kelgan) huquq evaziga, muddatli huquqni muddatli huquq evaziga ko‘chirish to‘g‘ri bo‘ladi. Ammo ikki qarzdan biri darhol, ikkinchisi muddatli bo‘lsa yoki ikkidan biri bir oylik, ikkinchisi ikki oylik muddatga ega bo‘lsa, unda ko‘chirish noto‘g‘ri bo‘ladi.

Four conditions are stipulated for the validity of the transfer:- Firstly: The similarity of the two rights in species and in immediacy or deferred period because it is a transfer of the right and its transport so it is transported in its description. Hence it is valid for the one upon whom it is due to transfer gold for gold, or silver for silver, but it is not valid to transfer silver for the one upon whom gold is due or gold for silver. It is valid for the one upon whom there is a debt for (a period of) a month for a debt for a month, and the one upon whom there is a debt due for a due debt. It is valid to transfer an immediate (right) for immediate (right), and a deferred (right) for a deferred (right). However if one of the two debts is immediate and the other deferred, or the period of one of the two for a month and the other for two months, then the transfer is invalid.

Va muhil (qarzni o‘tkazuvchi) o‘z zimmasidagi haqni o‘zi yoki o‘rinbosari orqali ado etishga qodir bo‘lgani uchun, va muhal ‘alayhi (qarzni o‘tkazish orqali majbur qilinuvchi) qabul qilishda uning o‘rnida turgani sababli, muhtal (haqni o‘tkazib olувchi) qabul qilishga majburdir. Muhal ‘alayhining rozilik bildirmasligiga kelsak, bu sababli: kreditorlar muhtalni qabul qilishda o‘z o‘rnida turg‘azgan, shuning uchun u, xuddi vakolat berish (havola) kabi, haqqi bo‘lgan shaxsning roziligini talab qilmaydi.

And because the assignor (muheel) can fulfil the right due upon him by himself or his delegate and the assigned upon (muhal ‘alaihi) has stood in his place in receiving so the assignee (muhtal) is compelled to accept. As for the assigned upon's (muhal ‘alaihi) non-consent, this is because the creditors made the assignee (muhtal) stand in his place in receiving so it does not need the consent of the one upon whom the right is due like delegation.

Shunga ko'ra, chek kabi summalarni yoki muddati kelgan kechiktirilgan summalarni o'z ichiga olgan sanadat (qarz hujjatlari) ni o'tkazish — ya'ni "ayn hawalasi" (hawalat al-‘ain) deb ataladigan o'tkazish — faqat muhtal (o'tkazib oluvchi qarzdor) ning roziligi bilan ruxsat etiladi, muhtal (o'tkazuvchi kreditor) yoki muhal ‘alayhi (o'tkazib beriladigan qarzdor) ning roziligi shart qilinmaydi. Xuddi shuningdek, muddati hali kelmagan summalarni o'z ichiga olgan qarz hujjatlarini — masalan, veksellarni — o'tkazish, ya'ni "dayn hawalasi" (hawalat al-dayn) deb ataladigan o'tkazish, muhtal rozi bo'ladimi yoki yo'qmi, muhal ‘alayhi rozi bo'ladimi yoki yo'qmi, ruxsat etiladi. Bunday o'tkazish shartnoma bo'lmaydi, chunki unda rozilik shart qilinmaguncha u shartnoma hisoblanmaydi. Demak, unda ijob va qabul bo'lmaydi. Aksincha, bu faqat shaxsning o'z ixtiyoridagi tasarruf bo'lib, kafolat, ro'yxatga olingan kafillik, vasiyat va shunga o'xshash, shartnoma hisoblanmaydigan tasarruflar kabidir.

Accordingly the transfer in deed notes (sanadat) which comprise sums like checks or deferred sums whose period falls due—which are known as the transfer of things (hawalat al-‘ain), is permitted with the consent of the assignee (muheel) alone, nor is the consent of the assignor (muhtal) or assigned upon (muhal ‘alaihi) stipulated. Similarly the transfer of deed notes which include sums whose period has not fallen due like promissory notes—which are known as the transfer of debts—whether the assignee (muhtal) consented or not, and whether the assigned upon (muhal ‘alaihi) consented or not. The transfer is not a contract until consent be stipulated therein. So there is no offer and acceptance therein. Rather it is only the disposal of a person himself like the guarantee, standing security, bequest and similar disposals which are not considered contracts