kezességvállalásnál

Kezességvállalás refers to a legal concept in Hungarian law, often translated as suretyship or guarantee. It is a contract where one party, the surety or guarantor (kezessel), agrees to be liable for the debt or obligation of another party, the principal debtor (főkötelezett), to a third party, the creditor (hitelező). This agreement is made if the principal debtor fails to fulfill their obligations.

The core of kezességvállalás is the secondary liability of the surety. The surety is only obligated to pay or perform if the principal debtor defaults. The creditor can typically pursue the surety only after attempting to collect from the principal debtor, although specific contractual terms or legal provisions might alter this order.

There are generally two main types of kezességvállalás: simple suretyship (egyszerű kezesség) and joint and several suretyship (készfizető kezesség). In simple suretyship, the creditor must first exhaust all legal remedies against the principal debtor before claiming from the surety. In joint and several suretyship, the creditor can choose to claim the full amount from either the principal debtor or the surety, or even from both simultaneously.

Kezességvállalás must be established in writing to be valid. It is a common mechanism used to secure loans, rentals, and other contractual obligations, providing creditors with additional assurance that their claims will be met. The surety's obligations are typically defined by the terms of the kezességi szerződés (suretyship agreement) and relevant provisions of the Hungarian Civil Code.