There is the holder of an insurable interest in respect of mortgaged property, expressed interest in the bank to keep the subject of mortgage. This approach allowed the author to conclude the need to consolidate in legislation the rights of the mortgagee to insure the real estate in his favor and be the beneficiary in the insurance of the collateral.

The author of the work revealed a discrepancy norms of the Law on the Mortgage lead generation provisions of the Civil Code of Russia in part under the possibility of early fulfillment of the obligation to repay the loan, because in addition to loss of the subject Mortgage Law Mortgage introduces another criterion - it significant damage.