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pure interest only mortgage

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15:50 Feb 20, 2008
English to Russian translations [PRO]
Bus/Financial - Finance (general) / Mortgages
English term or phrase: pure interest only mortgage
Interest only. The majority of interest only mortgages offered by French banks are quite
different from what you might expect. There are two products. With both products, the
term of the mortgage is divided into two phases.
During the first phase you pay only the interest on the mortgage.
During the second phase you pay both the capital and the interest.
Because you are repaying the capital over a shorter period, during the second phase your monthly repayments will suddenly be much higher.
With the alternative product, your deposit is used as collateral which is estimated to grow at a set rate. Again the term of the mortgage is divided into two phases.
During the first phase you pay only the interest on the mortgage. At the end of the first phase your collateral is valued and is deducted from the amount you originally borrowed. During the second phase you pay the capital and interest on the outstanding mortgage. Once again, you will probably find that your monthly repayments will be higher. A pure interest only mortgage is possible, but not readily available to everyone as the lending criteria is very strict, but to high net worth clients it is very useful and tax efficient mortgage.

Ипотечный кредит по которому выплачивается только процент, т.е. основная сумма займа не уменьшается - так ведь?
И, по сути, первый описанный кредит. и есть такой кредит? Тогда почему же его сразу не нзаывают так в тексте...
И все же какое корректное его название в русском языке? И чем отличается от interest only mortgage (ипотечный кредит с устойчивым процентом)?

Спасибо:)
chernicha
Local time: 22:37
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Summary of answers provided
4см.
AKhram


Discussion entries: 2





  

Answers


28 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
см.


Explanation:
В приведенном контексте все достаточно толково объяснено. "Только процентная" ипотека состоит из двух этапов - на первом платятся только проценты, на втором этапе выплачиваются и проценты, и основной долг (т.е. платежи резко подскакивают).

"Чистая" ипотека такого типа IMHO означает, что второй этап отсутствует - основной долг выплачивается в самом конце срока единовременно (т.е., как Вы и сказали, основная сумма займа не уменьшается) - в этот и отличие от просто "только процентного" кредита, где есть второй этап.

AKhram
Local time: 22:37
Native speaker of: Native in RussianRussian
PRO pts in category: 36
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