penetración de financiamiento

17:50 May 26, 2019
This question was closed without grading. Reason: Errant question

Spanish to English translations [PRO]
Bus/Financial - Economics
Spanish term or phrase: penetración de financiamiento
I don't at all understand what they mean hear by "penetración de financiamiento" (ojo: it's "en proporicón con su PBI". I was thinking "market penetration" of financing but how does that relate to the GDP? I am indeed confused so any help would be much appreciated!

La experiencia internacional demuestra que existe una correlación positiva en el abatimiento del rezago habitacional en países que han desarrollado más sofisticación en temas de financiamiento a la vivienda y con una mayor penetración de financiamiento a la vivienda en proporción con su PBI. Asimismo, países como Chile y México, con mercados de financiamiento a la vivienda de mediano y largo plazo desarrollados,presentan un menor riesgo de asentamientos informales derivado de la alta penetración de productos de financiamiento a la vivienda.
Wendy Gosselin
Local time: 00:58


Summary of answers provided
3 +2penetration of house(home) financing
Enrique Bjarne Strand Ferrer
4lending penetration
Muriel Vasconcellos
4high involvement of financial products in housing
Francois Boye
3(a greater home & housing) loan penetration rate
Adrian MM.
3higher house financing inflow
Juan Arturo Blackmore Zerón


Discussion entries: 2





  

Answers


15 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +2
penetration of house(home) financing


Explanation:
I read it as being house financing (i.e. mortgage) being more developed and with higher penetration (measured as outstanding loans to GDP).

The economic idea is that countries where there i a functions mortgage market will, on average, have less backward housing




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Note added at 16 mins (2019-05-26 18:06:35 GMT)
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*where there is a functioning mortgage market

Enrique Bjarne Strand Ferrer
Norway
Local time: 05:58
Specializes in field
Native speaker of: Native in NorwegianNorwegian, Native in SpanishSpanish
PRO pts in category: 4

Peer comments on this answer (and responses from the answerer)
agree  philgoddard
8 hrs

agree  Luis M. Sosa: Got it. I think home sounds much better
21 hrs
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5 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5
higher house financing inflow


Explanation:

https://www.bis.org/publ/bppdf/bispap64l.pdf

Juan Arturo Blackmore Zerón
Mexico
Local time: 22:58
Native speaker of: Spanish
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9 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
high involvement of financial products in housing


Explanation:
my take

Francois Boye
United States
Local time: 23:58
Specializes in field
Native speaker of: Native in FrenchFrench
PRO pts in category: 48
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9 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
lending penetration


Explanation:
Straighforward. Examples:

[PDF]Retail Banking Insights - McKinsey
https://www.mckinsey.com/.../Reinventing-small-and-medium-si...
**Lending penetration.** Banks not offering digital sales processes. Banks offering lead/form application. 3%. 10%. Product penetration for new customers

Mortgage Lending in Poland, 2019-2021 - Sales of New Mortgage ...
https://www.businesswire.com/.../Mortgage-Lending-Poland-201...
Mar 4, 2019 - Slide 8: **Mortgage lending penetration benchmarks** - International comparison, 2018 Q3. Slide 9: Mortgage lending in Poland vs. Europe- ...

Improving Lending Performance in LMI and Minority-Majority ...
https://www.premierinsights.com/.../improving-lending-perfor...
Nov 7, 2017 - Here we address what to do **when lending penetration in LMI and minority majority geographies is determined to be weak**. This obviously ...
[PDF]Expand Capital to Small Businesses - Performance.gov


https://www.performance.gov/.../FY2018_Q2_SBA_Expand_Capital...
Jun 30, 2018 - Development Financial Institutions (CDFIs), and microlenders in depressed urban communities and rural areas where **SBA lending penetration** ...


Muriel Vasconcellos
United States
Local time: 20:58
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 91

Peer comments on this answer (and responses from the answerer)
neutral  Luis M. Sosa: Your take is good, however you are not making any reference to the housing market
11 hrs
  -> First, two of my examples refer to the housing market, and second, 'housing' wasn't part of the question.
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16 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5
(una mayor) penetración de financiamiento (a la vivienda)
(a greater home & housing) loan penetration rate


Explanation:
The qualifiers of 'una mayor .. a la vivienda' - as in other answers - ought, perhaps, to be included in the equation.

PS until about 30 years ago in the UK investment, banking and legal sector, the term of 'financing' gave way to the trendier term of 'funding'.





Example sentence(s):
  • "Within ASEAN, Indonesia still has by far the lowest loan penetration at 30% of GDP followed by the Philippines at 33%.
  • Mortgage depth and housing loan penetration increase with countries' income level in a convex manner, i.e. slow increases with income.

    Reference: http://asianbankingandfinance.net/lending-credit/exclusive/l...
    Reference: http://www.fdic.gov/about/comein/belsky.pdf
Adrian MM.
United Kingdom
Native speaker of: Native in EnglishEnglish
PRO pts in category: 8
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