You are not new,you are just a scammer. The word "collateral" it means everywhere the same thing.
You can google it in your language and see the meaning.
I guess though that you have some issue with your eyes,because you can't even read the stickies...
You insist by telling us that you don't know the meaning of the word "Collateral". Are you blind,fool or joker? Here it is:http://www.dictionary.com/browse/collateral
All of what you are saying in your post is a BIG RED FLAG. Pure words of a defaulter aka scammer.
Trust me noob,we have seen a lot of these scam attempts (like yours) for some BTC
So lock your thread if you don't need a loan and have a nice stay.