The Mishnah (Shevi’is 10:6) states that one of the conditions for a
Pruzbul is that the borrower must own land. Rashi and Tosafos explain that most loans are made with borrowers who own land which serves as collateral, and
Pruzbul was enacted only for common loans. Even if the borrower owns a small piece of land that is less valuable than the loan, it is sufficient. If the borrower does not own land, the lender may gift him a piece of land by asking a friend to acquire it behalf of the debtor. This can be done even if the borrower is completely unaware of the gift.
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