Biztosítéki

Biztosítéki is an adjective in Hungarian that describes something related to a guarantee, security, or collateral used to secure an obligation. It is derived from the noun biztosíték (guarantee, security) with the suffix -i, and is common in legal, financial, and insurance language.

In Hungarian civil and commercial law, biztosítéki mechanisms refer to arrangements that secure performance of a debtor’s obligation. The term appears in compounds such as biztosítéki zálogjog (a form of security interest that gives the creditor a claim on pledged assets), biztosítéki követelés (a claim secured by collateral), and biztosítéki intézkedések (protective measures to preserve the value of the secured asset). These concepts are part of the broader system of guarantees and collateral arrangements, alongside kezesség (suretyship), jelzálog (mortgage), and záradék.

In banking and finance, biztosítéki arrangements are used to mitigate credit risk. Examples include collateral agreements, bank guarantees, and deposits pledged as collateral. The term emphasizes the security function of the instrument or right rather than its ownership or transfer aspects.

As a linguistic note, biztosítéki is typically used as a modifier in legal or formal texts; the base noun forms most closely linked to it are biztosíték (guarantee) and biztosítéki jog (the secured right). See also biztosíték, kezesség, zálogjog, jelzálog.