Q&A from the Bais HaVaad Halacha Hotline

 https://baishavaad.org/qa-from-the-bais-havaad-halacha-hotline-103/

Finally, a pruzbul can only be written if the borrower owns land, rents land, or has a room and board agreement; he must have some connection to land. A young bachur, for example, may not have one, so some pruzbul texts include a clause wherein the lender gifts the borrower a tiny piece of land.