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mortgage equity withdrawal

Portuguese translation: re-pactuar hipoteca

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GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:mortgage equity withdrawal
Portuguese translation:re-pactuar hipoteca
Entered by: Roberto Cavalcanti
Options:
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03:43 Jan 3, 2003
English to Portuguese translations [PRO]
Bus/Financial / Investments report
English term or phrase: mortgage equity withdrawal
This is known in the UK as mortgage equity withdrawal.
Roberto Cavalcanti
Brazil
Local time: 13:50
hipoteca de valor atualizado
Explanation:
:)
These customers increase their mortgage to release funds for other
purposes - a phenomenon known as "mortgage equity withdrawal". ...
www.themovechannel.com/sitefeatures/ news/may/may24c.asp - 27k - Em cache - Páginas Semelhantes

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Note added at 2003-01-03 18:50:00 (GMT)
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Mais informações :(estas do granddicionnaire)
mortgage-equity hypothèque - mise de fonds n. f.

Déf. :
Méthode de capitalisation et d'analyse financière qui reconnaît l'influence des conditions de financement hypothécaire et des besoins de mise de fonds dans l'évaluation des immeubles productifs.


Das pesquisas que fiz, traduziria como "Hipoteca de valor superavaliado" - pois a pessoa consegue um financiamento com valor acima do valor do imóvel hipotecado.

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Note added at 2003-01-03 19:15:38 (GMT)
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O seguinte texto explica muito bem o que significa:

Background / Context
You purchased a property in 1998 for £80,000 using a mortgage of £73,000. By the end of 2000, the market value of the property has grown to £100,000. You still owe £73,000 on your mortgage. But you now have (£100,000 - £73,000) £27,000 worth of equity in your property. The mortgage lender may allow you to borrow some of this money by taking out a housing equity loan. Say that you borrow £5,000 to finance some home improvements or to pay for a long overseas holiday. This loan is added to your existing mortgage (you now owe £78,000). This borrowing is known as mortgage equity withdrawal and it can add considerably to total consumer demand in the economy. Over the last two years, the scale of equity withdrawal has increased significantly.



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Note added at 2003-01-03 19:19:58 (GMT)
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Ou "Hipoteca de valor atualizado", conforme a explicação acima.

Selected response from:

Clauwolf
Local time: 13:50
Grading comment
Grato ao Claudio pelo esforço. Fiquei com re-pactuação de hipoteca
2 KudoZ points were awarded for this answer

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Summary of answers provided
4novo empréstimo sobre o valor já pago da casa
Silvio Picinini
4hipoteca de valor atualizado
Clauwolf
4empréstimo com garantia hipotecária
P Forgas
2empréstimo hipotecário complementar (ou adicional)rhandler


Discussion entries: 3





  

Answers


1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5
empréstimo com garantia hipotecária


Explanation:
Empréstimos e financiamentos / BANCO REAL / ABN AMRO Bank
... você tem um imóvel em vista, já planejou o financiamento que pretende fazer, ou
ainda deseja obter um empréstimo com garantia hipotecária, pode candidatar ...
www.bancoreal.com.br/pessoas/emprestimos_financ/ tpl_carta_credito.shtm

APECH - 09a28
... 9º Os contratos de empréstimo com garantia hipotecária, com exceção das que
consubstanciam operações de crédito rural, poderão prever o reajustamento ...
www.dji.com.br/decretos_leis/1966-000070-apech/ apech__09a28.htm

P Forgas
Brazil
Local time: 13:50
Native speaker of: Spanish
PRO pts in pair: 911

Peer comments on this answer (and responses from the answerer)
neutral  Tomás Rosa Bueno: Forgas, o MEW tem a ver com empr~estimos feitos com base na diferença entre o saldo devedor da hipoteca e o valor atual do bem hipotecado. Sei até que é considerado fator inflacionário na Inglaterra. Mas NÃO SEI como se diz em português... :-((
24 mins
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15 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
hipoteca de valor atualizado


Explanation:
:)
These customers increase their mortgage to release funds for other
purposes - a phenomenon known as "mortgage equity withdrawal". ...
www.themovechannel.com/sitefeatures/ news/may/may24c.asp - 27k - Em cache - Páginas Semelhantes

--------------------------------------------------
Note added at 2003-01-03 18:50:00 (GMT)
--------------------------------------------------

Mais informações :(estas do granddicionnaire)
mortgage-equity hypothèque - mise de fonds n. f.

Déf. :
Méthode de capitalisation et d'analyse financière qui reconnaît l'influence des conditions de financement hypothécaire et des besoins de mise de fonds dans l'évaluation des immeubles productifs.


Das pesquisas que fiz, traduziria como "Hipoteca de valor superavaliado" - pois a pessoa consegue um financiamento com valor acima do valor do imóvel hipotecado.

--------------------------------------------------
Note added at 2003-01-03 19:15:38 (GMT)
--------------------------------------------------

O seguinte texto explica muito bem o que significa:

Background / Context
You purchased a property in 1998 for £80,000 using a mortgage of £73,000. By the end of 2000, the market value of the property has grown to £100,000. You still owe £73,000 on your mortgage. But you now have (£100,000 - £73,000) £27,000 worth of equity in your property. The mortgage lender may allow you to borrow some of this money by taking out a housing equity loan. Say that you borrow £5,000 to finance some home improvements or to pay for a long overseas holiday. This loan is added to your existing mortgage (you now owe £78,000). This borrowing is known as mortgage equity withdrawal and it can add considerably to total consumer demand in the economy. Over the last two years, the scale of equity withdrawal has increased significantly.



--------------------------------------------------
Note added at 2003-01-03 19:19:58 (GMT)
--------------------------------------------------

Ou "Hipoteca de valor atualizado", conforme a explicação acima.



Clauwolf
Local time: 13:50
Native speaker of: Native in PortuguesePortuguese
PRO pts in pair: 14286
Grading comment
Grato ao Claudio pelo esforço. Fiquei com re-pactuação de hipoteca

Peer comments on this answer (and responses from the answerer)
neutral  rhandler: Sua pesquisa revela bastante, mas sua conclusão não é consistente. O substantivo da frase é "withdrawal" (saque), não hipoteca.
5 hrs
  -> a tradução não pode ser literal rhandler

neutral  Tomás Rosa Bueno: Isso dá a impressão de que é o valor da hipoteca que é atualizado, náo o do bem hipotecado. Mas estamos chegando perto.
6 hrs
  -> está bem quente, realmente, mas não consegui coisa melhor
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21 hrs   confidence: Answerer confidence 2/5Answerer confidence 2/5
empréstimo hipotecário complementar (ou adicional)


Explanation:
Usando o texto trazido pelo Clauwolf, que transcrevo:

"Background / Context
You purchased a property in 1998 for £80,000 using a mortgage of £73,000. By the end of 2000, the market value of the property has grown to £100,000. You still owe £73,000 on your mortgage. But you now have (£100,000 - £73,000) £27,000 worth of equity in your property. The mortgage lender may allow you to borrow some of this money by taking out a housing equity loan. Say that you borrow £5,000 to finance some home improvements or to pay for a long overseas holiday. This loan is added to your existing mortgage (you now owe £78,000). This borrowing is known as mortgage equity withdrawal and it can add considerably to total consumer demand in the economy. Over the last two years, the scale of equity withdrawal has increased significantly.", acredito que a idéia seja esta. Não sei se a expressão é usada em português (não encontrei nada no Google), mas nada impede que o seja.

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Note added at 2003-01-04 01:12:30 (GMT)
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Para \"empréstimo hipotecário\", o Google traz 640 ocorrências.

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Note added at 2003-01-05 12:56:08 (GMT)
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Que lhes parece uma tradução literal: SAQUE SOBRE O CAPITAL DA HIPOTECA ?

rhandler
Local time: 13:50
Native speaker of: Portuguese
PRO pts in pair: 11462

Peer comments on this answer (and responses from the answerer)
neutral  Tomás Rosa Bueno: Mais perto ainda.
1 day6 hrs
  -> Efetivamente, é uma tentativa, como indica o meu grau de "confiança".
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3 days10 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
novo empréstimo sobre o valor já pago da casa


Explanation:
Aqui vai uma tentativa de explicação:

Você faz um empréstimo de 100 mil para 15 anos. Depois de 5 anos, você já pagou, digamos, uns 25 mil do principal da casa, porque os juros são um pouco maiores no começo. Isso quer dizer que você é "dono" de 25 mil, e isso é a "equity". Aí você pode fazer um novo empréstimo desse valor, que é como se você estivesse sacando a sua "equity".

HTH

Silvio Picinini
United States
Local time: 09:50
Native speaker of: Portuguese
PRO pts in pair: 1393
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