Related%20passage for Bava Metzia 5:1

אֵיזֶהוּ נֶשֶׁךְ וְאֵיזֶהוּ תַרְבִּית. אֵיזֶהוּ נֶשֶׁךְ. הַמַּלְוֶה סֶלַע בַּחֲמִשָּׁה דִינָרִין, סָאתַיִם חִטִּין בְּשָׁלשׁ, מִפְּנֵי שֶׁהוּא נוֹשֵׁךְ. וְאֵיזֶהוּ תַרְבִּית, הַמַּרְבֶּה בְּפֵרוֹת. כֵּיצַד. לָקַח הֵימֶנּוּ חִטִּין בְּדִינַר זָהָב הַכּוֹר, וְכֵן הַשַּׁעַר, עָמְדוּ חִטִּין בִּשְׁלשִׁים דִּינָרִין, אָמַר לוֹ תֶּן לִי חִטַּי, שֶׁאֲנִי רוֹצֶה לְמָכְרָן וְלִקַּח בָּהֶן יָיִן. אָמַר לוֹ הֲרֵי חִטֶּיךָ עֲשׂוּיוֹת עָלַי בִּשְׁלשִׁים, וַהֲרֵי לְךָ אֶצְלִי בָּהֶן יָיִן, וְיַיִן אֵין לוֹ:

Which (form of forbidden interest) is neshech and which is tarbith? Which is neshech? Lending a sela (four dinars) for five dinars; two sa'ah of wheat for three, (called "neshech") because he "bites" (noshech), [taking from him what he did not give him.] And which is tarbith? Increasing [profit to oneself] through produce. [And both in lending money and lending produce there is ribith (increase), for his money increases, but the latter part (of the Mishnah) treats of ribith by rabbinical ordinance, through buying and selling.] How so? If he bought wheat from him at a golden dinar [twenty-five silver dinars] to a kor (of wheat), and this was the market price [(And he is permitted to give him money now to receive from him wheat the entire year at that price according to the amount of money that he gave him even though right now he does not have wheat. As we learned (5:7): "If the market price were announced, they may transact (on that basis). And even though he (the seller) may not have (the produce), another has," and the seller can buy it now at that price)] — If he said to him: "Give me my wheat, for I wish to sell it and buy wine for it," and he (the seller) said to him: "I accept your wheat at thirty dinars (to the kor), and I will give you wine for it" — If he has no wine (this is ribith). [It is permitted if he (the seller) gave him wheat, but if he transacted to give him wine for it, and he has no wine, it is forbidden, lest the price of wine rise. And even if he transacts with him according to the current, announced market price, since he (the buyer) does not give him money, in which instance we could say that he (the seller) could buy wine (now) for the money he received; but he (the seller) came to take upon himself the price of wheat as a debt and to transfer it to the wine debt — if he has no wine, this is forbidden. For if he had wine, it would be immediately acquired by this one (the buyer), wine having been stipulated as payment for the debt, and if wine increased in price, it would have done so in his domain.]

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