EN
The article deals with the advantages and disadvantages related to the accessibility of tangible securities, for example a mortgage. The article analyzes the regulations that weaken the relationship between the mortgage and the debt and make the protection more flexible. Proposals for new legislative solutions that may increase the attractiveness of a mortgage were indicated. Attention was also paid to regulations that require the legislator.s intervention due to doubts which are occured in practice. The mortgage was also briefly confronted with the non-accessory with land debt in force in Germany.