Takauksin

Takauksin is a Finnish adverb used in finance and law to indicate that a loan, credit agreement, or other obligation is secured by a guarantee or collateral. It is the adverbial form of takaus, a noun meaning guarantee or security, and it is used to describe arrangements in which the creditor has recourse to a guarantor or pledged assets if the debtor defaults.

In Finnish banking and legal documents, takauksin denotes a secured arrangement, typically involving a bank guarantee, a personal guarantee from a third party, or collateral such as property or securities. Loans described as takauksin are generally viewed as lower risk for lenders than unsecured loans, and this can influence terms such as interest rates and eligibility criteria. The term is most common in formal or official contexts rather than everyday speech.

Examples of usage include: "Laina myönnettiin takauksin" and "Sopimus on tehty takauksin," though actual wording varies by contract. The concept contrasts with takauksitta (without guarantee) and with other forms of secured credit.

See also: takaus, takaaminen. In Finnish law and practice, the exact rights arising from takauksin depend on the contract and applicable statutes, so provisions may vary in different cases.