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  Collateral plays a key role in risk mitigation for lenders by providing protection against the
  risk of default should the borrower, who is also the debtor, be unable to repay the loan. Mortgages as collateral:
  Mortgages are a common form of collateral, especially for larger loans such as real
  estate loans. Here, a property is used which the lender can realize in the event
  of a default. This gives the lender the right to sell the property and cover the amount owed from the proceeds.
  
  Guarantees: Guarantees are another common form of security where a
  third party (the guarantor) assumes the repayment obligation if the main borrower
  defaults or defaults. This is often used when the borrower does not have sufficient collateral of their own. Other assets: In addition to mortgages and guarantees, other assets such as vehicles, securities or even patents can also serve as
  collateral for the disbursement of the loan.

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