You simply go to the notary with a written contract about the loan and also regarding the vig. Previously your lawyer or the notary himself should check if the guy who asks for the loan has anything on his name. If not, no deal or no loan. If he has at least one apartment on his name and doesnt pay his debts, you will receive that same crib legally. Thats how modern day loan sharking operates around here these days lol.

Mongol General: Conan, what is best in life?

Conan: To crush your enemies, see them driven before you, and to hear the lamentations of their women.