Credit agreements are usually written, but there is no legal reason why a credit agreement should not be a purely oral agreement (although oral agreements are more difficult to enforce). Individuals and businesses use mortgages to make large real estate purchases without paying the full purchase price in advance. For many years, the borrower repays the credit, plus interest, until he freely and freely owns the property. Mortgages are also called «pledges of ownership» or «claims on property». If the borrower suspends payment of the mortgage, the lender can make a seizure. You are a form of non-corporeal right. «investment banks» create credit agreements that meet the needs of the investors whose funds they wish to attract; «Investors» are always demanding and accredited organizations that are not subject to bank supervision and are subject to the need to respect public trust. Investment banking activities are supervised by the SEC and the focus is on whether the information is properly or correctly disclosed to the parties providing the funds. A mortgage leniency agreement is made when a borrower struggles to honor their payments. With the agreement, the lender agrees to reduce, or even suspend entirely, mortgage payments for a given period of time. They also agree not to initiate seizures during the period of indulgence.