(Bai’ Al-Aina) is to buy a good at a price, then to re-sell it to the original seller at a lower price to generate cash, which is considered usury. Tawaroq is to buy a good on installments and to re-sell it to whomever other than the original seller.
To avoid (Gharar) this means to avoid the presence of any defects in the goods.
Holding the good before the sale enables the Islamic financial institution to determine the moment it starts taking responsibility of any possible risks that could face the goods.