loans may or may not be secured. They ensure, however, increases the bank guarantee that in case of problems the customer gets their money back and implies a general rule, lower interest. The Bank may have to examine the client's creditworthiness or to establish credit limits. For some loans the borrower is liable to their property (secondary secure), for example, sometimes the bill. In the case of an abstract to ensure a direct link between credit and ensuring there is no - in that case, but not a specific bill, but essentially all that the bank will ensure the return of their money.