– бир шахснинг бошқа шахсга мол-мулк ёки унга бўлган ҳуқуқнинг мажбуриятларини таъминлаш учун бериши гаровдир. Гаров туфайли гаров билан таъминланган мажбурият бўйича кредитор (гаровга олувчи) қарздор томонидан бу мажбурият бажарилмаган тақдирда, гаровга қўйилган мол-мулкнинг қийматидан ушбу мол-мулк эгаси бўлган шахс (гаровга қўювчи) нинг бошқа кредиторларига нисбатан ўз талабини имтиёзли қаноатлантирилишига ҳақли бўлади. Гаров шартнома ёки қонун асосида амалда юзага келади
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