It is a financing real estate product that allows the borrower to obtain money in exchange for mortgaging the property for a certain period to the funder as a guarantee, until the agreed installments are fully paid. That is, in the event that the borrower fails to pay, the lender (financing entity) has the right to take the necessary measures to acquire the property. In this context, the financing agencies were obligated to document mortgages according to the reality of their contracts and to stop the procedures related to the transfer of ownership of the property instead of mortgaging it. It also enabled the borrower to write the property in his name with his mortgage to the banks (in the event that the financing formula is profitable) without disposing of the property except when returning to the bank