Families engaged in commercial activities and who attach importance to legal certainty also have their own forms. It is usually not an act of distrust when forms are obtained, but it serves for security and formality. Many people view signature forms as an act of defiance, especially for private credit, but this is usually not the case. Forms are only important for legal certainty and the retention of records. However, in the case of institutional credits, this is exclusively a security measure. Although loan agreements are often referred to as promissy notes or promissy notes, loan agreements differ from these documents in two essential respects: 1. loan agreements are binding on both the borrower and the lender; and 2. .