¹ A mortgage right secures the creditor:

1.

for the principal;

2.

for the costs of debt enforcement and default interest;

3.⁶⁴²

for three years’ accrued annual interest due on the date of the application for foreclosure or the debtor is declared bankrupt, plus the interest due since the last maturity date; in the case of a mortgage certificate only the interest actually due is secured by the mortgage.

² The interest rate originally agreed must not exceed five per cent to the detriment of subordinate mortgage creditors.