It is interesting to note that the creditor does not count in its balance sheet the non-financial assets available from the re-library. A merchant may indicate that he does not want the comic to remedeoskeleton the distributor`s security. The comic must then decide whether a margin account is granted to the merchant. Mortgages are the most common in mortgages. The borrower technically owns the house, but since the home is mortgaged as collateral, the mortgage lender has the right to seize the home if the borrower cannot meet the terms of repayment of the loan agreement – which happened during the enforcement crisis. Auto loans are similarly secured by the underlying vehicle. On the other hand, unsecured loans do not work with the assumption, as there is no guarantee to claim in the event of default. Because the assumption provides a guarantee to the lender based on the borrower`s mortgaged collateral, it is easier to secure a loan and the lender may offer a lower interest rate than an unsecured loan. This usually occurs in a case of personal assets, in order to place the burden on the collateral on the loan granted. Under the guarantee hypothesis, it is up to the borrower himself to hold the guarantee. Therefore, if the borrower becomes insolvent, the lender should first take possession of the guarantee (Sub-assumption), then sell the asset to recover the maturities. It is almost similar to the mortgage, but there is a thin line between the mortgage and the mortgage. Under the mortgage, assets are not transferred immediately to the lender.

This remains in the borrower`s best interest. Well, if the borrower is not able to pay the money, then the lender would take possession of it. And the lender might sell it to get the money back. There is another difference between the two. The assumption is not the ownership of the game, but the real estate, but mobile furniture such as car, vehicle, receivables, shares, etc. The situation changes when the borrower is late in the loan. This is due to the borrower granting a pledge to the lender as part of the loan agreement. When a borrower defaults, the lender can exercise the right to pledge by closing the property. When an investor asks a broker to buy securities on the margin, an assumption can occur in two directions. First, the acquired assets may be hypothetical, so that the broker can sell some of the securities if the investor does not maintain the credit repayments; [1] The broker may also sell the securities if they lose value and the investor does not respond to a margin call. The second sense is that the initial contribution that the investor makes to the margin account may be itself in the form of securities and not a cash deposit, and again, the securities belong to the investor, but can be sold by the creditor in the event of default.