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Mortgage or security : how to choose? The mortgage and deposit guarantees are made by the bank providing the mortgage to protect against possible defaults. But what is the best solution ? A bank that grants a mortgage is taking a risk . To protect itself, it still requires a financial guarantee : the mortgage or guarantee. Thanks to them, the bank is sure to be paid in case of default by the borrower . This guarantee is required and remains at your expense . The best known solution is the mortgage, although in recent years the bond is gaining ground. The mortgage The mortgage allows the bank to seize the home if the borrower defaults , sell , and to repay the sum obtained through . On average , this warranty will cost about 2 % of the amount borrowed. If it is required , the mortgage does not prevent you from selling your apartment or house. Two possibilities Rusty Solomon Mandrien consulting group