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02:19 Sep 21, 2011
Portuguese to English translations [PRO] Bus/Financial - Insurance / Garantia Financeira
Portuguese term or phrase:Garantia Financeira
"... deverá apresentar a devida Garantia Financeira de antemão..."
A surety or guarantee, in finance, is a promise by one party (the guarantor) to assume responsibility for the debt obligation of a borrower if that borrower defaults. The person or company that provides this promise, is also known as a surety or guarantor.
O termo garantia, ou colateral, se refere aos itens usados por uma empresa ou indivíduo para sustentar o crédito quando levanta um financiamento. Assim, a garantia de um empréstimo pode ser qualquer ativo sobre o qual o credor (quem emprestou o dinheiro) tem um direito legal, que pode ser exercido caso o tomador do empréstimo não cumpra alguma das cláusulas do contrato.
In lending agreements, collateral is a borrower's pledge of specific property to a lender, to secure repayment of a loan. The collateral serves as protection for a lender against a borrower's default - that is, any borrower failing to pay the principal and interest under the terms of a loan obligation. If a borrower does default on a loan (due to insolvency or other event), that borrower forfeits (gives up) the property pledged as collateral - and the lender then becomes the owner of the collateral. In a typical mortgage loan transaction, for instance, the real estate being acquired with the help of the loan serves as collateral. Should the buyer fail to pay the loan under the mortgage loan agreement, the ownership of the real estate is transferred to the bank. The bank uses a legal process called foreclosure to obtain real estate from a borrower who defaults on a mortgage loan obligation.
Em finanças, uma garantia é um ativo transferível ou uma garantia fornecida, que serve de caução ao reembolso de um empréstimo no caso em que o beneficiário deste último não seja capaz de satisfazer as obrigações pagamento.
Gilmar Fernandes United States Local time: 04:21 Native speaker of: Portuguese, English PRO pts in category: 123