Frage zum Hauskauf

So this is the situation,in the resume about the transaction this was written, my question is (since here in my country no one could help me,because different country/different regulation) do i have to pay for those pledges or am i mistaking something? I got this translated since I don’t know much the Finnish language

The house you’re buying has been used as collateral up to that amount, and in order to do that they make these ”panttikirja”. In this case four. They are not being used at the moment as collateral, since it says that they are free. But you need to pay to have them transferred to you.