A well-furnished apartment is offered as collateral with furniture and appliances for $35,000. You cannot live in this apartment. The owner will remain in the apartment, and you will receive a monthly profit of $900. The apartment will be encumbered for your benefit under a commitment and will be registered in the public registry with a purchase agreement for redemption. After the expiration of the term, you will be returned your due $35,000. The term is by agreement.