Mortgage by operation of law (legal mortgage) – a mortgage that occur when certain facts stated in the law, regardless of the will of the parties in relation to the occurrence of the mortgage, when the transfer of ownership of property from one person to another, or rather, if the acquisition of the right new owner, provided the occurrence of certain legal facts. Mortgage by virtue of the law occurs in the following five major and common cases: the Purchase of houses, apartments, land plots with the use of credit funds of a Bank or other credit organization or funds of the trust loan. The construction of houses, buildings, structures or apartments with a mortgage loan or another credit institution or funds of the trust loan. Sale on credit. The rent. The pledge of property rights.