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The גמ׳ does not mention that the man says anything. Does the man have to say anything to be מקדש a women in this fashion?
How can the קידושין take effect if the women did not get anything ? What type of קנין is this? The משנה said that there are three ways to be מקדש an אשה
How does an ערב work, what if he wants to back out and is not interested in paying the loan back, is there anything that is binding him to repay?
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§ Ameimar said: The issue of whether or not a guarantor in fact becomes obligated to repay the loan he has guaranteed is a dispute between Rabbi Yehuda and Rabbi Yosei. According to Rabbi Yosei, who says that a transaction with inconclusive consent [asmakhta] effects acquisition, a guarantor becomes obligated to repay the loan, whereas according to Rabbi Yehuda, who says that an asmakhta does not effect acquisition, a guarantor does not become obligated to repay the loan. Any obligation one undertakes that is dependent on the fulfillment of certain conditions that he does not expect will be fulfilled, in this case the debtor’s default on the loan, is considered an asmakhta. Rav Ashi said to Ameimar that he was conflating these two issues: But it is a daily occurrence, i.e., it is taken for granted, that an asmakhta does not effect acquisition, and it is also taken for granted that a guarantor becomes obligated to repay the loan he has guaranteed. Rather, Rav Ashi said: Through that satisfaction that the guarantor feels when the creditor trusts him and loans the money based on his guarantee, the guarantor resolves to obligate himself to repay the loan. Guaranteeing a loan is unlike a usual case of an obligation undertaken that is dependent on the fulfillment of certain conditions that he does not expect will be fulfilled, in which the commitment is not considered a real one. Here, the one obligating himself experiences a sense of satisfaction when the money is loaned to the debtor, and due to that, fully commits to fulfill his obligation.
ערב לאו אע"ג דלא מטי הנאה לידי' משתעבד. פי' לאו למימרא דלא מטי ליה שום הנאה דא"כ במאי משתעבד אלא לומר דאע"ג דלא מטי לידיה הנאת מעות שהוציא המלוה ולא הגיע לידו של ערב לא כסף ולא שו"כ אפ"ה משתעבד בהנאה דמטי ליה במה שהלוה לזה על אמרתו דהנאה בכל דוכתא בכל דכות' חשיב' ככסף כדפרישנ' בכמה דוכתי הכא נמי אע"ג דלא מטי לידה הנאת מנה עצמו מקניא נפשה בההיא הנאה דשויא פרוטה דיהיב מנה לפלוני בדבוריה. מיהו כל מקודש' דאמרינן בשמעתין היינו כשאמר הוא שאמר לה בזו הרי את מקודשת לי באותה הנאה שנתתי מנה לפלונך בדבורך.