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It is a fixed income security issued by a credit institution or mortgage company. That is a mortgage title whose debtor is the financial institution. These securities are comprehensively guaranteed by the credit portfolio mortgage loans of the issuer.

The volume of bonds that are issued may not exceed 90% of the unamortized capital of all mortgage credits held by the entity and serve as coverage. They rate higher than fixed deposits and earn interest each month. The difference with the deposits is that investors are diversified, thus decreasing the risk. These values also have a double guarantee: first the issuer, and secondly in terms of preference of the customers who have purchased these securities from creditors.