/ɪnˈkʌmbrənsə/ – noun
Definition: người nhận cầm cố, người nhận thế chấp.
A more thorough explanation: An encumbrancer is a person or entity that holds a legal claim or interest, such as a mortgage or lien, on a property or asset that serves as security for a debt or obligation.
Example: The encumbrancer filed a claim against the property to secure repayment of the loan.