The fundamental place in Croatian law regarding the real estate insurance is called so-called pledge right. Namely, the pledged right constitutes a limited real right to a thing or the right conferred on a pledge creditor whose claim is secured by that right, to settle the value of the pledge upon the maturity of the claim if it is not settled. In that case the pledge right is called a pledge. There are more pledged property rights, which can be real estate, movable property, and property rights. Persons in this pledge are referred to as pledge lender and pledge borrower. Both can be physical and legal persons. The purpose of this paper is to describe the pledge right on the moves and the real estate, is to explain all the details of the mortgages from the definition, legal arrangement, the creation and the contract of the same.