The borrower can deposit the title deeds of a property to the lender who takes title to the property if the borrower is in arrears in repaying the loan and interest. The borrower can also deposit personal real estate such as cars, jewelry, etc., provided that in case of delay in the repayment of capital and interest, the lender has the right to sell the deposited collateral to satisfy the loan and interest. If the total amount of the loan is of a high value, it is good to require the signature and information of a guarantor – someone who can vouch for the borrower and work as a repayment guarantee, the borrower should not be able to repay. However, the parties have entered into an agreement on the following terms: some credit agreements do not require the borrower to deposit collateral for the loan. Sometimes the borrower uses a guarantor who undertakes to repay the entire outstanding amount in the event of default by the borrower. . . .