gerade Laufzeit; krumme Laufzeit

English translation: see below

19:08 Aug 2, 2000

German to English translations [PRO]
Bus/Financial - Finance (general)

German term or phrase: gerade Laufzeit; krumme Laufzeit

I am working on a document about amendment of Germany's Preisangabenverordnung that focuses in particular on calculation of the APR with consumer credit. In discussing what to do until the new method of computation goes into effect on Sept. 1 and how to handle loans that are offered before the target date, but not accepted until after it, the document notes that deciding which method--the older or newer one--results in a higher APR depends on the amount to be repaid, the term of the loan and whether or not that term is "krumm" or "gerade" (12, 24, 36, 48 . . . months).
For "gerade" I considered linear, but what might "krumm" be? Non-linear?

Cami Townsend (X)

English translation:see below

Explanation:
Just a few thoughts and reactions -

At the very end of your explanation, you indicate that a "gerade Laufzeit" is 12, 24, 36, 48 months, i.e. full years. Would a "krumme Laufzeit" then be 1 1/2 years or something like that? (Wish you'd given an example of that, too!)

My first reaction to your query was even/odd, even term vs. odd term, possibly adding in parentheses the exact length of the term in months.

The other possibility that came to mind was something along the lines of "[x] full years" vs. "[x] partial years".

Personally, I'm not sure that I'd use linear in the context you cite, but mind you, I'm not a financial expert (or I wouldn't be doing this...)

I hope these suggestions will help a bit... Good luck.

Selected response from:

Ulrike Lieder (X)
Local time: 15:20

Grading comment

4 KudoZ points were awarded for this answer

Summary of answers provided

divisable by 12 months/ non-divisable by 12 months

Dierk Seeburg

see below

Ulrike Lieder (X)

usual, unusual term

Nancy Schmeing

see below

Elisabeth Moser

Answers

1 hr

divisable by 12 months/ non-divisable by 12 months

Explanation:
Is that it? Or at least along the lines of it? Is 'gerade' multiples of 12 months and 'krumm' everything in between?
Good luck!

Dierk Seeburg
Local time: 16:20
Native speaker of:

German
PRO pts in category: 8

1 hr

see below

Ulrike Lieder (X)
Local time: 15:20
Native speaker of: German
PRO pts in category: 16

1 hr

usual, unusual term

Explanation:
Since I find no URL's for krumme Laufzeit or gerade Laufzeit, I think that these are not fixed phrases. Here, a gerade Laufzeit is not =even as opposed to odd, but is even as in there is no remainder after division, in this case by years.
Krumm means divergent from ordinary. Therefore the suggestions given, or ordinary / extraordinary would express what the German words express.

Nancy Schmeing
Canada
Local time: 18:20
Works in field
Native speaker of:

English
PRO pts in category: 4

2 hrs

see below

Explanation:
in this context I might use "odd" and
"even" loan term.
--just a suggestion--

Elisabeth Moser
United States
Local time: 18:20
Native speaker of:

German
PRO pts in category: 26

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