رهن گذاشتن
رهن گذاشتن in 30 Seconds
- To mortgage or pledge a valuable asset (like property) as collateral for a loan.
- A formal compound verb used primarily in banking, legal, and real estate contexts.
- Crucial for securing credit; involves a legal 'block' on the asset until repayment.
- Distinct from the rental deposit 'Rahn,' specifically focusing on the act of pledging.
The Persian verb رهن گذاشتن (rahn gozāshtan) is a fundamental term in the realms of finance, law, and real estate. At its core, it translates to 'to mortgage' or 'to pledge as collateral.' When an individual or a business entity requires a loan from a financial institution, they often lack the liquid assets to guarantee repayment. To mitigate the risk for the lender, the borrower offers a valuable asset—most commonly a property deed (sanad)—as security. This process is known as rahn gozāshtan. If the borrower fails to meet their repayment obligations, the lender has the legal right to seize and sell the pledged asset to recover the debt. This concept is deeply ingrained in the Iranian banking system and the broader cultural understanding of debt and trust.
- Legal Context
- In Iranian civil law, the contract of 'Rahn' involves a 'Rahen' (the pledgor) and a 'Mortahen' (the pledgee). The act of 'rahn gozāshtan' officially transitions the status of the property to 'dar rahn' (in mortgage).
- Daily Usage
- While it sounds technical, you will hear this in everyday conversations about buying homes, starting businesses, or even in family disputes regarding inheritance and property rights.
پدرم برای راه اندازی کارخانه جدید، سند زمین را در بانک رهن گذاشت.
My father mortgaged the land deed at the bank to start the new factory.
Understanding this word requires distinguishing it from the common rental practice in Iran also called 'Rahn.' In a rental context, 'Rahn' refers to a large interest-free security deposit given to the landlord, which reduces the monthly rent. However, the verb رهن گذاشتن specifically refers to the act of using an asset as security for a debt or loan. It implies a formal, often notarized, agreement where the asset is 'locked' until the debt is cleared. This is a high-stakes action, as it puts one's primary residence or business assets at risk.
آیا میتوانی طلاهایت را برای وام من رهن بگذاری؟
Can you pledge your gold as collateral for my loan?
- Financial Security
- Banks require this to ensure that even if the business fails, the capital is not lost. It is the bridge between trust and transaction.
In the modern Iranian economy, where inflation is high, 'rahn gozāshtan' is a double-edged sword. While it allows for immediate liquidity (getting cash now), the rising value of the collateralized property often outpaces the loan amount, making the risk of losing the asset even more daunting. This socio-economic pressure adds a layer of anxiety to the phrase when heard in a family context. It is not just a banking term; it is a weight of responsibility.
او مجبور شد تمام داراییاش را رهن بگذارد.
He was forced to mortgage all his assets.
Mastering the use of رهن گذاشتن involves understanding its grammatical structure as a compound verb. It consists of the noun 'rahn' (mortgage/pledge) and the auxiliary verb 'gozāshtan' (to put/place). In Persian, compound verbs are extremely common, and the meaning is derived from the combination of the two parts. When you use this verb, the object (what is being pledged) usually takes the direct object marker 'rā' if it is specific.
- Grammatical Structure
- [Subject] + [Object] + [rā] + [Location/Bank] + [rahn gozāshtan]. Example: من سند را در بانک رهن گذاشتم.
One of the most frequent uses is in the past tense, as people usually talk about the act after it has been finalized at a notary office (daftar-khāne). Because 'gozāshtan' is an irregular verb in the present tense (stem: gozār), the present form of 'rahn gozāshtan' becomes 'rahn mi-gozāram.' This is used when discussing current plans or general banking policies.
بانکها معمولاً ملکهای تجاری را برای وامهای بزرگ رهن میگذارند.
Banks usually mortgage commercial properties for large loans.
In formal legal documents, you might see the passive form: 'رهن گذاشته شده' (has been mortgaged). This is crucial when checking the title of a property before buying it. If a property is 'dar rahn' (in mortgage), it cannot be legally sold until the mortgage is cleared (fakk-e rahn). Therefore, 'rahn gozāshtan' creates a legal 'block' on the asset.
ما نباید خانهمان را برای بدهی دیگران رهن بگذاریم.
We should not mortgage our house for others' debts.
- Conditional Usage
- If you use 'agar' (if), you might say: 'اگر سند را رهن بگذاری، وام میگیری' (If you mortgage the deed, you will get the loan).
When speaking colloquially, people might shorten the phrase or use 'goro gozāshtan' (to pawn/pledge), but 'rahn gozāshtan' remains the standard for real estate and formal banking. In the negative form, 'rahn na-gozāshtan', it implies a refusal to risk an asset. 'من هرگز سند خانهام را رهن نمیگذارم' (I will never mortgage my house deed).
او از من خواست که آپارتمانم را رهن بگذارم تا او بتواند تجارتش را شروع کند.
He asked me to mortgage my apartment so he could start his business.
The most common place to encounter رهن گذاشتن is within the walls of a bank (bank) or a notary public office (daftar-khāne asnad-e rasmi). In Iran, banking transactions involving large sums almost always require a 'vasiqe' (collateral), and the process of providing this is 'rahn gozāshtan.' You will hear bank officers explaining the requirements: 'shomā bāyad yek sanad-e malaki rā rahn be-gozārid' (You must mortgage a property deed).
- The Real Estate Market
- When browsing property listings, you might see 'sanad dar rahn' (deed in mortgage). This tells potential buyers that the owner has 'rahn gozāshte' the property and the loan must be settled before a transfer can occur.
Another frequent setting is in the news or financial reports. When the government or the Central Bank of Iran (Bank-e Markazi) announces new housing loan schemes, the phrase رهن گذاشتن appears frequently in the terms and conditions. Journalists use it to describe the barriers young couples face: 'moshkel-e rahn gozāshtan-e sanad barāye javānān' (the problem of pledging a deed for young people).
در اخبار شنیدم که دولت اجازه داده است سهام عدالت را هم رهن بگذاریم.
I heard in the news that the government has allowed us to pledge Justice Shares as collateral too.
In a more somber context, you might hear this word in legal courts or when discussing bail. While 'vasiqe gozāshtan' is the more specific term for bail, people sometimes use 'rahn' loosely to describe the act of putting up property to release someone from prison. However, strictly speaking, 'rahn' is financial/commercial. You might also hear it in Persian cinema, often in dramas where a character is desperate for money and decides to 'rahn be-gozārad' the family home, leading to high-stakes tension.
کارشناس دادگستری آمد تا ارزش ملکی را که میخواستیم رهن بگذاریم، ارزیابی کند.
The judicial expert came to evaluate the value of the property we wanted to mortgage.
The single most common mistake for learners—and even some native speakers—is the confusion between رهن گذاشتن (mortgaging) and the rental system known as رهن و اجاره (mortgage and rent). In the Iranian rental market, 'Rahn' is a large sum of money paid upfront as a security deposit. When a tenant gives this money, they are NOT 'rahn gozāshtan' an asset; they are providing a 'mablagh-e rahn' (mortgage amount). The verb for the rental deposit is usually 'rahn dādan' (to give rahn) or 'seporde gozāshtan' (to deposit).
- Confusion with 'Ejāre'
- Mistake: 'من برای خانهام رهن گذاشتم' (meaning I paid a deposit for rent). Correct: 'من برای اجاره خانه، پول رهن دادم'. Use 'rahn gozāshtan' ONLY when an asset is collateral for a loan.
Another mistake involves the spelling of the auxiliary verb. Some people confuse 'gozāshtan' (گذاشتن - to put) with 'gozāshtan' (گزاردن - to perform/report). While they sound identical in modern Persian, 'rahn' always uses the one with 'Zāl' (ذ) meaning to place an object in a state of mortgage. Using the wrong 'Z' sound in writing is a common orthographic error.
غلط: او سند را رهن گزارد.
صحیح: او سند را رهن گذاشت.
Incorrect vs Correct spelling of 'put'.
Learners also struggle with the preposition. You do not mortgage 'to' a person in the same way you do in English. In Persian, you mortgage 'at' (dar) a bank or ' نزد' (nazd-e - near/with) someone. Saying 'man be bank rahn gozāshtam' is acceptable but 'man dar bank rahn gozāshtam' is more common for the physical act of depositing the deed.
اشتباه: من ماشینم را برای دوستم رهن گذاشتم.
توضیح: معمولاً ماشین را 'گرو' میگذارند، نه 'رهن'.
Explanation: Usually, cars are 'pawned' (goro), while 'rahn' is for real estate.
To speak like a native, you must know the nuances between رهن گذاشتن and its synonyms. The most common alternative is گرو گذاشتن (goro gozāshtan). While both mean pledging something, 'goro' is more informal and often used for movable objects like jewelry, watches, or cars. You 'goro' your watch at a pawn shop, but you 'rahn' your villa at a bank. 'Goro' also carries a slight connotation of desperation or 'pawning.'
- Synonym Comparison
- رهن گذاشتن: Formal, real estate, banking, legal contracts.
گرو گذاشتن: Informal, jewelry/items, personal loans, 'pawning'.
Another important term is وثیقه گذاشتن (vasiqe gozāshtan). 'Vasiqe' is a broader term meaning 'security' or 'guarantee.' While 'rahn' is a type of 'vasiqe,' 'vasiqe' is the word used in legal courts for bail. If someone is in jail and you provide a property deed to get them out, the legal term is 'vasiqe gozāshtan,' though the deed itself might be 'dar rahn-e dādgāh' (in mortgage of the court).
او برای آزادی برادرش، فیش حقوقیاش را وثیقه گذاشت.
He pledged his pay stub as bail for his brother's release.
Then there is تضمین کردن (tazmin kardan), which means 'to guarantee.' This is a general verb. You might 'tazmin' a loan with a 'rahn.' For example: 'من وام را با رهن گذاشتن خانهام تضمین کردم' (I guaranteed the loan by mortgaging my house). Knowing when to use each of these determines your level of Persian proficiency. 'Rahn' is specifically tied to the 'contract of Rahn' in the Civil Code.
بعد از پرداخت آخرین قسط، بانک سند را فک رهن کرد.
After the last installment was paid, the bank released the mortgage on the deed.
Examples by Level
من خانه را در بانک رهن گذاشتم.
I mortgaged the house at the bank.
Simple past tense of a compound verb.
آیا میخواهی ماشین را رهن بگذاری؟
Do you want to mortgage the car?
Question form using 'mikhāhi' (want).
او سند را رهن گذاشت.
He/She mortgaged the deed.
Third person singular past tense.
ما پول نداریم، پس زمین را رهن میگذاریم.
We don't have money, so we are mortgaging the land.
Present continuous sense using 'mi-gozārim'.
بانک سند را رهن میگیرد.
The bank takes the deed as mortgage.
Using 'gereftan' as the receiving side of the action.
رهن گذاشتن سخت است.
Mortgaging is hard.
Using the infinitive as a subject.
پدرم خانه را رهن گذاشت.
My father mortgaged the house.
Subject-Object-Verb structure.
آنها طلا را رهن گذاشتند.
They mortgaged the gold.
Third person plural past tense.
برای گرفتن وام، باید سند خانه را رهن بگذارید.
To get a loan, you must mortgage the house deed.
Use of 'bāyad' (must) with subjunctive 'be-gozārid'.
او نمیخواست مغازهاش را رهن بگذارد.
He didn't want to mortgage his shop.
Negative past with 'na-mikhāst'.
آیا میتوانم این فرش را رهن بگذارم؟
Can I mortgage (pledge) this carpet?
Modal verb 'tavānestan' (can).
آنها سند آپارتمان را در بانک ملی رهن گذاشتند.
They mortgaged the apartment deed at Melli Bank.
Adding a specific location 'dar bank-e melli'.
اگر سند را رهن بگذاری، چقدر وام میدهند؟
If you mortgage the deed, how much loan do they give?
Conditional sentence with 'agar'.
او تمام داراییاش را رهن گذاشته است.
He has mortgaged all his assets.
Present perfect tense 'gozāshte ast'.
ما مجبور شدیم سند را رهن بگذاریم.
We were forced to mortgage the deed.
Compound verb with 'majbur shodan'.
بانک فقط سندهای ملکی را رهن میگذارد.
The bank only mortgages property deeds.
Use of 'faghat' (only) for restriction.
برادرم برای شروع تجارت جدیدش، سند خانه پدری را رهن گذاشت.
My brother mortgaged our father's house deed to start his new business.
Complex sentence with a purpose clause ('barāye...').
قبل از خرید خانه، مطمئن شوید که سند آن در رهن نباشد.
Before buying a house, make sure its deed is not in mortgage.
Use of 'dar rahn būdan' (to be in mortgage).
او با رهن گذاشتن باغ، توانست بدهیهایش را پرداخت کند.
By mortgaging the garden, he was able to pay his debts.
Using the gerund form 'rahn gozāshtan-e...'.
آیا بانک مرکزی اجازه میدهد سهام را رهن بگذاریم؟
Does the Central Bank allow us to pledge shares?
Interrogative with a complex object (shares).
آنها به جای رهن گذاشتن ملک، از چک تضمینی استفاده کردند.
Instead of mortgaging property, they used a guaranteed check.
Contrastive structure 'be jā-ye' (instead of).
وکیل به او پیشنهاد کرد که سند را رهن نگذارد.
The lawyer suggested that he should not mortgage the deed.
Indirect speech with subjunctive.
ارزش ملکی که رهن میگذارید باید دو برابر مبلغ وام باشد.
The value of the property you mortgage must be twice the loan amount.
Relative clause 'ke rahn mi-gozārid'.
پس از فک رهن، سند به صاحب اصلیاش بازگردانده شد.
After the release of the mortgage, the deed was returned to its original owner.
Passive voice 'bāz-gardānde shod'.
در قراردادهای بانکی، رهن گذاشتن ملک یکی از رایجترین روشهای تضمین بازپرداخت است.
In bank contracts, mortgaging property is one of the most common methods of guaranteeing repayment.
Formal register and academic vocabulary.
اگر وامگیرنده اقساط خود را نپردازد، بانک ملکی را که رهن گذاشته شده به حراج میگذارد.
If the borrower does not pay their installments, the bank auctions the property that has been mortgaged.
Conditional type 1 with passive relative clause.
او ریسک بزرگی کرد و تمام داراییهای شرکت را برای دریافت اعتبار رهن گذاشت.
He took a big risk and mortgaged all the company's assets to receive credit.
Idiomatic 'risk kardan' combined with financial terms.
متاسفانه سند این آپارتمان به دلیل بدهی قبلی مالک در رهن بانک است.
Unfortunately, the deed of this apartment is in mortgage to the bank due to the owner's previous debt.
Adverbial phrase 'be dalil-e' (due to).
قانونگذار شرایط خاصی را برای رهن گذاشتن اموال منقول پیشبینی کرده است.
The legislator has foreseen specific conditions for pledging movable property.
Legal terminology ('ghānun-gozār', 'amvāl-e manghul').
آیا میتوان بدون اجازه شریک، سهم مشاع از ملک را رهن گذاشت؟
Is it possible to mortgage a shared portion of a property without the partner's permission?
Complex legal concept (joint ownership/moshā').
او با رهن گذاشتن فیش حقوقیاش، برای دوستش وثیقه گذاشت.
By pledging his pay stub, he provided bail for his friend.
Distinguishing between the act (rahn) and the purpose (vasiqe).
بانک از رهن گذاشتن ملکهایی که پایان کار ندارند، خودداری میکند.
The bank refrains from mortgaging properties that do not have a completion certificate.
Verb 'khoddāri kardan' (to refrain).
عقد رهن از جمله عقود عینی است که قبض مال مرهونه در آن شرط صحت محسوب میشود.
The contract of mortgage is among the 'real contracts' in which the possession of the mortgaged property is a condition for its validity.
High-level legal Persian (Fiqh/Civil Law terms).
در نظام بانکی نوین، رهن گذاشتن داراییهای نامشهود همچنان با چالشهای حقوقی فراوانی روبروست.
In the modern banking system, pledging intangible assets still faces numerous legal challenges.
Abstract vocabulary ('dārāyi-hāye nā-mashhud').
چنانچه راهن ورشکسته شود، حقوق مرتهن در اولویت نسبت به سایر طلبکاران قرار میگیرد.
Should the pledgor become bankrupt, the rights of the pledgee take priority over other creditors.
Formal conditional 'chonān-che' and technical roles (Rāhin/Mortahen).
برخی معتقدند که رهن گذاشتن مکرر یک ملک، امنیت سرمایهگذاری را به خطر میاندازد.
Some believe that repeatedly mortgaging a single property jeopardizes investment security.
Argumentative structure 'barkhi mo'taghedand ke...'.
تفاوت بنیادین بین رهن گذاشتن و بیع شرط در ماهیت مالکیت و انتقال منافع نهفته است.
The fundamental difference between mortgaging and 'conditional sale' lies in the nature of ownership and the transfer of benefits.
Comparative legal analysis.
مستاجر حق ندارد مورد اجاره را بدون اذن موجر به رهن بگذارد.
The tenant has no right to mortgage the leased property without the landlord's permission.
Legal prohibition 'hagh na-dārad'.
استفاده از مکانیزم رهن گذاشتن معکوس برای تامین هزینههای دوران بازنشستگی در حال بررسی است.
The use of the reverse mortgage mechanism to fund retirement expenses is under review.
Modern economic term 'rahn-e ma'kus'.
توقیف ملکی که قبلاً در رهن بانک گذاشته شده، پیچیدگیهای اجرایی خاص خود را دارد.
Seizing a property that has previously been mortgaged to a bank has its own specific executive complexities.
Complex noun phrase as subject.
تبیین ماهیت حقوقی رهن گذاشتن اموال مشاع مستلزم واکاوی دقیق در آراء وحدت رویه دیوان عالی کشور است.
Explaining the legal nature of mortgaging shared properties requires a meticulous analysis of the Supreme Court's unified judicial precedents.
Supreme academic/legal register.
در صورت تلف مال مرهونه بدون تعدی و تفریط مرتهن، عقد رهن منفسخ میگردد.
In the event of the destruction of the mortgaged property without the pledgee's transgression or negligence, the mortgage contract is annulled.
Specific legal terms for liability (ta'addi, tafrit, monfasekh).
تحول مفهوم رهن گذاشتن از وثیقه فیزیکی به تضامین دیجیتال، بازنگری در قانون مدنی را اجتنابناپذیر کرده است.
The evolution of the concept of pledging from physical collateral to digital guarantees has made a revision of the Civil Code inevitable.
Sociological/Legal evolutionary analysis.
تعارض منافع میان مرتهنین در رهنهای مکرر، چالشهای عدیدهای را در مرحله اجرای احکام پدید میآورد.
The conflict of interest among pledgees in multiple mortgages creates numerous challenges in the execution of judgments stage.
Abstract professional terminology.
رهن گذاشتن در فقه اسلامی به عنوان ابزاری برای تحکیم دیون و جلوگیری از تضییع حقوق بستانکار تشریع شده است.
Pledging in Islamic jurisprudence has been legislated as a tool to consolidate debts and prevent the violation of the creditor's rights.
Jurisprudential explanation.
محدودیتهای ناظر بر رهن گذاشتن اموال دولتی، ریشه در صیانت از بیتالمال و منافع عمومی دارد.
Restrictions regarding the mortgaging of state assets are rooted in the protection of the public treasury and public interests.
Political/Legal philosophy.
واگذاری حق انتفاع از مال مرهونه به ثالث توسط راهن، منوط به عدم منافات با حقوق مرتهن است.
The transfer of the right of use of the mortgaged property to a third party by the pledgor is subject to it not conflicting with the pledgee's rights.
High-level contractual conditionality.
تحلیل اقتصادی رهن گذاشتن نشاندهنده تاثیر مستقیم آن بر نرخ بهره و حجم نقدینگی در بازار مسکن است.
Economic analysis of mortgaging indicates its direct impact on interest rates and liquidity volume in the housing market.
Macroeconomic analysis register.
Common Collocations
Common Phrases
— A deed that is not mortgaged (opposite of 'dar rahn').
من فقط خانهای با سند آزاد میخرم.
— The excess value of a mortgaged property.
او میخواهد بر روی مازاد رهن، وام دیگری بگیرد.
— Selling the mortgaged property (usually by the bank).
بانک حکم فروش مال مرهونه را گرفت.
— A type of mortgage where the lender uses the property.
در رهن تصرف، مرتهن در خانه زندگی میکند.
Idioms & Expressions
— To risk something very important (metaphorical).
او جانش را برای این کار گرو گذاشت.
Informal— To use one's reputation to mediate or guarantee something.
حاج آقا ریش گرو گذاشت تا دعوا تمام شود.
Slang/Traditional— To pledge one's honor (very formal/dramatic).
او شرفش را برای صداقتش رهن گذاشت.
Literary— Colloquial for mortgaging a house.
بالاخره سند را به نام بانک زدیم و وام گرفتیم.
Informal— To do everything possible to achieve something.
برای این پست، دست و پا گرو گذاشته است.
InformalSummary
The verb 'رهن گذاشتن' is the standard way to describe securing a loan with collateral in Persian. Unlike informal pledging, it usually involves notarized deeds and formal banking procedures. Example: 'او سند خانهاش را برای وام رهن گذاشت' (He mortgaged his house deed for a loan).
- To mortgage or pledge a valuable asset (like property) as collateral for a loan.
- A formal compound verb used primarily in banking, legal, and real estate contexts.
- Crucial for securing credit; involves a legal 'block' on the asset until repayment.
- Distinct from the rental deposit 'Rahn,' specifically focusing on the act of pledging.
Related Content
More money words
اعتبار سنجی
B1Credit rating; an assessment of a borrower's ability to repay debt.
عایدات
B1Revenues, proceeds; income from commercial operations.
اقساط پرداخت کردن
B2To pay a debt in regular partial payments.
ارز مبادله کردن
B2To exchange one country's currency for another.
ارزش داشتن
B2To be worth; to be of specified monetary value.
ارزشگذاری
B1Valuation; the process of estimating something's worth.
باز پرداخت کردن
B2To pay back a loan or debt.
بازده
B1Return, yield; the profit generated from an investment.
بدهیها
B2Financial obligations or amounts owed to others.
به صرفه
B2Economical in terms of money, time, or effort.