to try to answer your new question, a holding fix will become your clearance limit when a hold is issued. the only exception I can think of (im sure there are more) would be a Hold In Lieu of Procedure Turn, where you enter a hold but your clearance limit is still the airport.
You can have published holding fixes, where the controller only needs to issue "cleared to (indicates a new clearance limit) SAALR intersection (holding fix), Hold Northwest as published"
or Fix/Radial/Distances where the controller builds the hold
"Cleared to the San Juan 320 radial, 40 mile fix, Hold Northwest, 10 mile legs"