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»Mortgages and Land Charges. Consistency and Change in Real Estate Financing Law. A Historical, Legal, and Practical Revision of Mortgage Polymorphism and Legal-Empirical Examination of its Socioeconomic Phenomenology«: The dissertation studies real estate financing instruments like mortgages, land charges, and the impact of the German Risk Limitation Act (2008) on real estate credit. A self-conducted study compares registrations of land charge and mortgage rights from 2000 to 2021. Land charges dominate security, while mortgages and certificate-based pawns decline. The dissertation analyzes real estate financing principles, reinterpreting mortgages and land charges. The Risk Limitation Act is critically examined.