A well-furnished apartment is being mortgaged with furniture and appliances for $45,000. You cannot live in this apartment. The owner will remain in the apartment and will pay you a benefit of $1,200 per month. The apartment will be charged for your benefit under obligation and will be registered in the public registry with a purchase agreement for redemption. After the expiration of the term, we will return your owned $45,000. The term is by agreement.