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In other words, it is a notarial deed prepared when borrowing money. If the debtor does not perform, the creditor can also enforce it on the basis of this certificate. There is no need to be a separate judgment. The amount of the loan, the transition period and the method of performance, interest,
It is common to describe delayed damages, loss of profits from the deadline, and agreements on joint guarantees.

A certificate shall be prepared at the request of the creditor (loan) and the debtor (borrower), and if there is a joint guarantor, a joint guarantor shall also be commissioned. Where a debtor provides real estate as collateral, a mortgage right separately from the preparation of a certificate
Establishment registration is required. If the debtor provides movable property (machinery, tools, equipment, etc.) as collateral, he/she shall prepare a fair certificate of the money consumption loan contract with the transfer security.

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