kiinnityksenä

Kiinnityksenä is a Finnish term used in legal and financial contexts to indicate that something is provided as security for fulfilling an obligation, typically a debt. The adverbial form kiinnityksenä means “as collateral” or “as a security interest.” A kiinnitys is a security interest granted to a creditor, giving them a preferential claim on the collateral if the debtor defaults.

In practice kiinnityksenä can apply to different kinds of collateral. On immovable property, the security is usually a kiinnitys (mortgage or lien) registered against the property, creating a public record of the creditor’s priority. On movable assets, a similar arrangement is known as a pledge (pantti), which secures the obligation and may allow sale of the asset if performance is not fulfilled. The exact form and enforceability depend on the applicable law and the terms of the agreement.

Creation and enforcement typically involve a kiinnityssopimus (security agreement). For real estate, the kiinnitys is entered into a public register to establish priority between creditors. If the debtor fails to meet the obligation, the creditor can enforce the security, usually by realizing the collateral to satisfy the debt, subject to statutory procedures and protections for the debtor.

See also: kiinnitys, pantti, rasite, kiinnitysrekisteri.

Examples:

- The loan is secured kiinnityksenä talon kiinteistöön.

- Yhtiö on asettanut kiinnityksenä koneisiin pankilta saadun lainan vakuudeksi.