The asset guarantee gives lenders sufficient security against the risk of default. It also helps some borrowers get a loan if they have a bad credit history. Secured loans usually have a much lower interest rate than unsecured loans. Reducing the value of collateral is the main risk when securing loans with negotiable collateral. Financial institutions closely monitor the market value of financial assets held as collateral and take appropriate action if the value subsequently falls below the predetermined maximum loan-to-value ratio. The permitted measures are usually specified in a credit agreement or margin agreement. Home buyers can sometimes pledge assets such as securities to credit institutions to reduce or eliminate the necessary cash taking.