utlånet

Utlånet is a term used in Norwegian and Swedish to refer to the act of lending or to the loan that is provided. In Norwegian Bokmål, the base noun is utlån, with utlånet as the definite form meaning “the loan” or “the lending.” In Swedish, a closely related term is utlåning, which covers lending as an activity, while utlånet may appear in formal or legal contexts to denote a specific loan or the total amount lent in a given case. The word ultimately derives from the verb låna (to lend) with the prefix ut-, indicating outward action.

In financial contexts, utlånet describes the lending activity of banks and other lenders. It covers loans to households, businesses, and public sector entities, including mortgages, consumer credits, and corporate facilities. Utlånet is a key component of a bank’s balance sheet, typically categorized as an asset and subject to credit risk management, interest rates, collateral requirements, and regulatory rules. Central banks and financial authorities monitor levels of utlånet to assess credit conditions, monetary transmission, and economic activity.

In cultural and community contexts, utlånet commonly refers to the lending of goods and services, notably in libraries or cultural institutions. Library utlånet concerns the borrowing period for items such as books and media, due dates, renewals, and fines. The concept emphasizes access and reuse of resources rather than ownership, often governed by specific lending policies.

Overall, utlånet encompasses both the general act of lending and the specific loans or lending portfolios in financial, institutional, and cultural settings. The precise usage depends on context, with banking discourse favoring the lending activity and library or cultural contexts emphasizing the borrow-and-return process.