– bir shaxsning boshqa shaxsga mol-mulk yoki unga bo‘lgan huquqning majburiyatlarini ta’minlash uchun berishi garovdir. Garov tufayli garov bilan ta’minlangan majburiyat bo‘yicha kreditor (garovga oluvchi) qarzdor tomonidan bu majburiyat bajarilmagan taqdirda, garovga qo‘yilgan mol-mulkning qiymatidan ushbu mol-mulk egasi bo‘lgan shaxs (garovga qo‘yuvchi) ning boshqa kreditorlariga nisbatan o‘z talabini imtiyozli qanoatlantirilishiga haqli bo‘ladi. Garov shartnoma yoki qonun asosida amalda yuzaga keladi
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