(1) In case of non-fulfilment of the obligation, the mortgagee shall have the right to inform the person who bears the obligation in the account or other person who bears the obligation of payment in relation to the ledger, secured sale agreement or other rights to receive payment and to take control of any profit after that. (2) ) If the loan is secured by a mortgage, the mortgagee shall pay the mortgagee the amount of the secured loan and the amount more than the amount of expenses allowed to be deducted under this paragraph. Unless otherwise agreed, if there is any shortfall in the amount collected in this way, the difference between the secured loan and the expenses allowed to be deducted under this paragraph and the collected amount shall be paid by the mortgagor to the mortgagee. Only if it is done, the mortgagor will have the right to receive the payment of the excess amount and he will be responsible for the decreased amount.