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On the basis of comments made by making a conclusion on the need to bring these instruments into line. The paper noted that the changes made in 2004 amended the law on mortgage regarding the abolition of mandatory notarization of the contract on the mortgage, to lift the additional barriers Mortgage lead generation opportunities, the more so that functions of the authority recording contract and a notary public in many ways were similar.

In the third section of the first chapter the author examines the work of banking risk insurance for mortgage lending. Particular attention to the issue of the possibility of the bank-mortgagee as a beneficiary under a contract of insurance of immovable property from the risks of loss and damage.