M.A. Thesis:

Investigating the implementation of real estate collateral mortgage documents and the obligation of banks

Getting confident from borrowers is determined as occupy contract. confidence of business demonstrations are occured with problems. according to despot principles into occupy contract only estate occupy is true because has the specification of confiscation but occupy is not allowed because is not confiscatable. the business demonstrations also are illustrated the deduction that they are not in estatements, confidence them are not allowed. to solve the confidence of business demonstrations problems, we can look to opinions of clergies that don't accept that confiscation are truth conditions of occupy contract. one of the expanded activities that occur in banking systems without benefit are below of homeostatic banking systems refers into references. many of requests of borrowers are provided by lending as allowable contracts. the bank for ensure about the return the debts gets the authentic confidents if that them would not recieved in time they can get their credits from confidents. the types of pledges in banking systems are the belongings that include transportional and untransportional, certifications (formal, business and habitual) and debentures but banks in many times refer that get estated pledges from customers. some of banks like estated pledges because of: belongings are appraisable and determined their prices from banks and are safe from dangers like (aboluction, depravation and depreciation) (in minimum times and in session about solvent). because of they haven't constant prices but their prices often raise. they request one place to conservation and house. but pledging belongings are difficult. houses are not transferable easily and transportion must record in registry that this record is consequent of legal ceremony. the speed of getting money is low about belongings. the transporting belongings request to solve expenses of records, tax and like them. the prices of this belongings are not constant and according to business conditions are not anticipatable. we in this approach with the aim of solving this things look for implement mortgage pledging cetifications in banks and business institutions to get into scientific solvations.

Keywords: Motgage certifications, pledging cetifications, implementing mortgage and pledging certifications