lainasiirtäjä

A lainasiirtäjä, in Finnish, translates to a "loan transferor" or "loan assignee." It refers to a party that transfers ownership of a loan to another entity. This process is common in the financial industry, particularly in securitization, where loans are bundled together and sold to investors. The original lender, or the initial loan originator, acts as the lainasiirtäjä.

When a loan is transferred, the rights and obligations associated with that loan, including the right to receive payments and the responsibility for servicing the loan, are passed on to the new owner, the loan assignee. This transfer can occur for various reasons, such as managing risk, freeing up capital, or specializing in loan servicing. The legal documentation governing the transfer specifies the terms and conditions under which the loan is assigned. In some cases, the original lender may continue to service the loan on behalf of the new owner, but the ownership itself has been transferred.