Am I required to give a security cheque for a mortgage?

Banks in the UAE require security cheques as an additional measure of security in case the borrower defaults on their mortgage repayments. In such instances, the bank can present the cheque, and if it bounces, they can initiate legal action to take possession of the property to recover the outstanding debt. This practice is not unique to the UAE and is similar to other countries where banks may include clauses in their contracts allowing them to repossess the property if the borrower defaults on their mortgage payments.