Notwithstanding anything contained in Section 445, a creditor who
has obtained a property in mortgage may, instead of remortgaging
the whole property, remortgage only the fruits, benefit or facility of
such property, or, if such property is a cultivable land, only the
crops, products, trees, bamboo trees, reaped or to be reaped fruits,
vegetables, flowers or any other kinds of products to be yielded
from such land.