Mortgage in the purchase contract

What exactly is stated about the issue of the land charge in the purchase agreement? Is it, for example, just a permission to apply for the registration of a land charge before you are registered as the owner in the land register? Maybe it is also a standard template. You can tell the notary that the section is not necessary for you. That is why you receive the draft for review. Without such a section, you might have a problem if the purchase price is partly financed with a loan. The bank initially wants to see the registered land charge before the loan is disbursed. But the seller wants to see the money first before the change of ownership is registered in the land register. At least in my case, I was able to have a land charge registered before the entry was changed to my name. However, this may be a special case because I bought an inherited house from my parents and we waived the usual formalities (transfer of ownership, money flow via notary account, etc.). I don't even know if this is a common clause otherwise.

So it’s settled, I just wanted to know why the contract mentions something about registering a land charge, which the seller has to agree to, etc., when we don’t need a loan for it.