Escrow & Title

Indiana's Uniform Commercial Code (UCC) fixture filings are relevant in commercial real estate when:

APersonal property is being sold separately from real estate
BEquipment or personal property attached to real estate (fixtures) is used as collateral for a loan, requiring both a UCC filing and a mortgage✓ Correct
CConstruction begins on a new commercial building
DA business leases commercial space

Explanation

When personal property (equipment, HVAC systems) becomes a fixture attached to real property and is used as collateral, lenders may file both a real estate mortgage and a UCC-1 fixture filing to perfect their security interest against all potential claimants.

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