I-mortgage-matyala conservatory kuvumela i-creditor ukufumana ukhuseleko ukuba abe repaid yi-debtor xa kukho umngcipheko insolvency ka-yokugqibela. I-creditor abo isicelo a mortgage-matyala conservatory omnye okanye ngaphezulu bengagungqi ipropati yakhe debtor kufuneka kuvavanya: I-creditor kufuneka kuqala buza umgwebi kuba ubhaliso a mortgage kwi ipropati yakhe debtorUkuba ityala ubizwa zasekuhlaleni, oko kukuthi kuzalwa kwi ithuba ka-isivumelwano phakathi abantu, creditor efake lakhe isicelo kwi-yenkundla uphumezo indawo apho debtor ahlala khona. Akukho convocation ye-debtor, okanye debates Ukuba kunzima yokusasaza ngeenjongo zokurhweba ityala, oko kukuthi kuzalwa kwi ithuba ka-isivumelwano phakathi ethile kwaye i-merchant, creditor kufuneka ufake isicelo ukuba umongameli wenkundla isigqeba de commerce le ndawo apho debtor ahlala khona. Ukuba uqwalasela isicelo kufuneka ilungelelaniswe, umgwebi yenza isigqibo ngokuba umyalelo authorizing i-creditor ukubhalisa provisionally yayo mortgage, apho ifunda: I-creditor ngoko ingaba kwiinyanga ezintathu ukubhalisa provisional mortgage kwi-nkonzo umhlaba (owayesakuba ilizwe registry). Ngoko ke, i-creditor kufuneka athabathe isemthethweni intshukumo ukuze ufumane writ ka-uphumezo ngaphakathi ngenyanga ukusuka provisional kubhaliswe mortgage. Ekugqibeleni, creditor kufuneka ekugqibeleni abhalise mortgage kwi-nkonzo umhlaba ubhaliso, kunye enforceable isihloko, ixesha kwiinyanga ezimbini ezidlulileyo ukususela yokufumana le enforceable isihloko.
