How is Kiddushin brought about through money? When a man gives a women
money or items worth money and says, “Behold, you are betrothed to me -
Harei at mekudeshet li”, and she agrees, she is betrothed.
Anyone
who does not know the laws of divorce documents and Kiddushin should
have no dealings with them, for an unwitting error in the decision
could prove intractable.
A
woman can not be betrothed by forgoing the repayment of a loan. The
loan is given for expenses, with the obligation to repay, thus he is
not giving her anything of value at this moment.