Mortgage security is one of the best ways to secure payment. It is a security in kind which is established on the property, exists regardless of who owns the property in question (that is, even if the owner/perpetual user of the property establishing the mortgage sells the mortgaged property, it continues and the creditor can claim his claim from the current owner of the property). A necessary condition for its creation is an entry in the land register. In so time, it is not necessary for the borrower himself to establish the mortgage ? it may also be established by another entity of the so-called debtor in kind, acting on behalf of the personal debtor ? the borrower.

One form of collateral, colloquially referred  in Poland to as the 'three-sevens security', is to be
provided for in Article 13(1)(b) of Regulation (EC) No 1782/2003. 777 KPC (Kodeks Postępowania Cywilnego, Act of Civil Code). In practice, a 'three sevens' security means that, on the basis of a notarial deed ? enforceable by a court ? the creditor has the right to take action to recover his money, i.e. to initiate enforcement, without having to initiate proceedings before a court in advance, which is always a lengthy and costly process.

The transfer of collateral involves the transfer of ownership of a particular thing from the borrower to the lender at the stage of concluding the loan agreement.

A bill of exchange security is the securing of a loan or other obligation with a bill of exchange (security) which obliges or is an order for payment of a specified amount of money. A bill of exchange is a very accessible form of securing a loan, as evidenced by its ease of preparation and the effectiveness of enforcement. By signing a blank promissory note issued to a financial institution, the borrower undertakes that, when certain circumstances arise, the paper will be completed by the holder (lender) and he/she will be obliged to repay the amount entered on the bill of exchange. The bill of exchange can also be guaranteed. Awal - as the letter of guarantee is called, significantly increases the value of the document and imposes on the guarantor the same responsibility as on the person for whom he guaranteed.
It is important that the preparation of a bill of exchange does not require any specific form, it can be unseeded by own means, the only requirement guaranteeing its validity is the possession of certain characteristics provided for by law, i.e. it must include the amount of the bill of exchange, which is the sum to be paid. Such bill of exchange security may assist in the settlement of litigation concerning outstanding debts.

The registered pledge on the company's shares is one of the more effective tools of impact on the borrower. Such a lien consists in the fact that, in the event of the borrower defaulting on financial obligations arising directly from the loan agreement, the lender can satisfy himself by taking over his shares ? up to 100%.

This type of collateral is regulated by Polish Civil Code and the Act on registered pledges and the register of liens. On the basis of a registered pledge, the creditor has the right to claim the pledged movable property, even if the owner has changed.

Such an agreement constitutes a specific form of collateral for the loan. If the loan agreement is secure, the debt will result in a claim for the conclusion of the promised contract. It is then a form of security transfer agreement which falls within the contractual freedom of the parties (Article 353 (1) kc). In practice, there is also a datio in solutum contract, which consists in the acquisition by the creditor, for example, of an asset such as the debtor's property or movable property, in order to extinguish the claim arising from another binding relationship. That is to say, the debtor, with the creditor's consent, performs a different service than that to which he was obliged.

In this form of collateral, the financial situation of the guarantors is important, since it must allow the borrower's commitment to be possibly applied. Such a guarantee is made on the basis of a contract, which is then concluded with a third party. This is to safeguard the interests of the lender in all, since, in the event that the borrower is unable to repay the borrowing, that obligation lies with the guarantor. In this case, a mandatory element is the declaration of the guarantor, who will commit to repay the loan. The lender is therefore to pursue its claims against the guarantor in the event of delays or complete cessation of repayment by the main borrower. Of course, the guarantor can provide the same security as the principal debtor ? i.e. he can, for example, establish a mortgage on the property or establish a bill of exchange security.