Generally there is great concern about the percentage of the property value that may be taken as guarantee; this percentage is defined, amongst other things, by the time of collection and the costs involved in this process.

Because of this, when a loan is to be guaranteed with a mortgage, the creditor should first think of the duration of the judicial proceedings (which may take from 9 to 12 months) and the related costs (12.5% of the property's value as a minimum). Thus, the creditor would not be able to take the guarantee for an amount greater than 70% of the appraisal, which limits the ability of buyers because they may not have 30% for the down payment.

When the collateral is represented by a Guarantee Trust (in which the collection process will be of 45 days and with a cost of 6,5% of the balance), the creditor may assign a higher  percentage of responsibility to the property or asset that has been offered and/or received as collateral.

This assignment could be of up to 85% or 90% of the property's or asset's value, and this considerably increases the chances of obtaining a higher leverage by the buyer, therefore increasing the number of potential buyers, as there will certainly be more people willing to pay smaller down-payments for the property(ies) they are interested in purchasing