Jun 3, 2011 15:46
12 yrs ago
1 viewer *
Russian term

обеспеченность

Russian to English Other Finance (general) borrowing
From a bank loan agreement. The Borrower undertakes "соблюдать принципы кредитования: обеспеченность, срочность, возвратность, платности."

Does обеспеченность refer to the ability to repay the loan?

Thank you!

Proposed translations

1 hr
Selected

The Borrower shalll comply with all the loan terms and

conditions with respect to posting collateral and making timely payments of principal and interest. This covers all of these so-called "principles". You can't translate verbatim here because they just don't say it this way in English.

Specifically, "timely" covers your srochnost, "collateral" refers to loan security (obespechennost), "payment of principal" deals with vozvratnost (i.e. repayment of the loan amount itself) and "payment of interest" takes care of "platnost".
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4 KudoZ points awarded for this answer. Comment: "Thanks to everyone. I found Misha's answer particularly helpful."
12 mins

being secured

Or maybe security.
It means that a loan should be secured with some values, property etc.
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+2
1 hr

security

i.e. -енность suffix means availability of the property denoted by the root word, "обеспечение" and security as the term to be observed is pretty much it.
Peer comment(s):

agree Alex Marshall
2 hrs
agree cyhul
8 hrs
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+3
3 hrs

collateralization

Compare the Russian terms
- Обеспеченность кредитования, материальная:
принцип кредитования, означающий, что кредиты предоставляются под товарно-материальные ценности, под расчетные документы, залог имущества и других материальных ценностей, а также под финансовые активы предприятия
- Обязательство, обеспеченное:
обязательство, по которому заемщик предоставил кредитору активы в качестве обеспечения интересов кредитора в случае неуплаты заемщиком долга
- Кредит, обеспеченный:
кредит, возврат которого гарантируется передачей заемщиком кредитору прав на имущество или само имущество или доходы: в случае невыполнения обязательств кредитор реализует обеспечение
http://slovo.yaxy.ru/60.html

with these English ones:
collateralization = pledging of an asset or property as a collateral
http://www.businessdictionary.com/definition/collateralizati...
collateralized loan = loan where the borrower pledges assets
http://www.moneyglossary.com/?w=Collateralized Loan
See also item 2 here:
http://www.businessdictionary.com/definition/collateral.html
Peer comment(s):

agree Igor Blinov
10 hrs
agree Vadim Kadyrov
11 hrs
agree Aleksey Chervinskiy
12 hrs
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