A well-furnished apartment with furniture and appliances is being mortgaged for $15,000. You cannot live in this apartment. The owner will remain in the apartment and will pay you a benefit of $450 per month. The apartment will be encumbered for your benefit with an obligation and will be registered in the public register under a purchase and sale agreement. After the expiration of the term, we will return your due $15,000. The term is by agreement.