In general, the purchase price of an NPL is lower than the outstanding debt, associated with that NPL. As a result, the direct recovery of the debt, by any means permitted by law, and without the need to enforce the Mortgage Guarantee, may result in a higher amount of debt being recovered will be higher than the purchase price of the NPL.

In cases of foreclosure of the Mortgage Guarantee with eventual award of the mortgaged property, the investment in the purchase of the NPL may entail a return if the amount received by the claimant creditor as a result of the award of the mortgaged property is higher than the purchase price paid for the NPL (whether the mortgaged property is awarded to a third party and the awarding value is allocated to repay the debt, or in the event that the creditor awards the mortgaged property and resells it to a third party.