1. Ma’anar cinikin Urbun بيع العربون shi ne: Ka sayi kayan mutum a kan kudi N1,000,000 (miliyon daya) misali, sannan ka ba shi N100,000, misali, sai ka ce da shi: Riki wannan dubu darin, idan na yanke shawarar tabbatar da wannan ciniki namu toh zan kawo maka sauran kudi N900,000, in dauki kayana, in kuma na yanke shawarar fasa cinikin toh sai ka rike dubu darin ya zama naka halal.
2. Wannan irin ciki mafi yawan maluman Musulunci sun hana yin shi, Maluman kuwa su ne na: Na Hanafiyya da Malikiyya da Shafi’iyya. Toh amma malaman mazhabar Hanbaliyya sun halatta wannan cikin.
3. Ni a nan ina goyon bayan halaccin wannan cinikin; saboda babu wani hadithi sahihi da ya haramta shi, haka nan kuma babu wani hadithi sahihi da ya halatta shi, kusan dukkan hadithan da suka yi magana a kan hukuncin wannan nau’i na ciniki masu rauni ne. Toh amma da yake asalin al’amari game da al’amuran da suka shafi mu’amala shi ne halacci har sai lokacin da Nassi ko Ijma’i, ko wani dalili daga cikin dalilai karbabbu suka haramta shi tukun; wannan zai sa a ce: Cinikin Urbun halal ne har sai ranar da dalili karbabbe ya haramta shi tukun.