TERMIUM Plus^®

Record 1,  Textual support,  English

Record number: 1, Textual support number: 1 CONT

While barriers and their intensity vary between... groups, there are a number of indicators that can predict barriers to employment equity being experienced. The most common predictors of barriers... are : lower earnings[;] domestic and home care obligations[;] hiring and retention challenges[;] under-representation in management and executive positions[;] limited career advancement[;] and social stigma.  2, record 1, English, - barrier%20to%20employment%20equity

Record 1,  Textual support,  French

Record number: 1, Textual support number: 1 CONT

Bien que les obstacles et leur intensité varient d'un groupe à l'autre, il existe un certain nombre d'indicateurs qui permettent de prévoir les obstacles à l'équité en matière d'emploi. Les indicateurs d'obstacles les plus courants en matière d'équité en [emploi] sont les suivants : revenu inférieur; obligations familiales et de soins à domicile; défis en matière d'embauche et de maintien en poste; sous-représentation dans les postes de haute direction et de cadre; avancement professionnel limité; et stigmatisation sociale.  2, record 1, French, - obstacle%20%C3%A0%20l%27%C3%A9quit%C3%A9%20en%20emploi

Record 1,  Textual support,  Spanish

Record 2,  Textual support,  English

Record number: 2, Textual support number: 1 OBS

home equity loans securities; HELS : term and abbreviation extracted from the “Glossaire de l'économie” and reproduced with permission of the Organisation for Economic Co-operation and Development.  2, record 2, English, - home%20equity%20loans%20securities

Record 2,  Textual support,  French

Record number: 2, Textual support number: 1 OBS

titres adossés à des crédits garantis par des biens immobiliers; titres adossés à des prêts au logement : termes extraits du «Glossaire de l’économie» et reproduits avec l’autorisation de l’Organisation de coopération et de développement économiques.  2, record 2, French, - titres%20adoss%C3%A9s%20%C3%A0%20des%20cr%C3%A9dits%20garantis%20par%20des%20biens%20immobiliers

Record 2,  Textual support,  Spanish

Record 3,  Textual support,  English

Record number: 3, Textual support number: 1 OBS

home equity debt : term extracted from the “Glossaire de l'économie” and reproduced with permission of the Organisation for Economic Co-operation and Development.  2, record 3, English, - home%20equity%20debt

Record 3,  Textual support,  French

Record number: 3, Textual support number: 1 OBS

emprunt garanti par la valeur acquise d'un bien immobilier; emprunt garanti par un bien immobilier : termes extraits du «Glossaire de l’économie» et reproduits avec l’autorisation de l’Organisation de coopération et de développement économiques.  2, record 3, French, - emprunt%20garanti%20par%20la%20valeur%20acquise%20d%27un%20bien%20immobilier

Record 3,  Textual support,  Spanish

Record 4,  Textual support,  English

Record number: 4, Textual support number: 1 DEF

A loan secured by a primary residence or second home to the extent of the excess of fair market value over the debt incurred in the purchase.  3, record 4, English, - home%20equity%20loan

Record number: 4, Textual support number: 1 OBS

home equity loan : this term is sometimes also used to designate a line of credit secured by the equity the borrower has in a home.  4, record 4, English, - home%20equity%20loan

Record 4,  Textual support,  French

Record number: 4, Textual support number: 1 CONT

Deux des meilleures options pour emprunter des sommes importantes sont le prêt sur la valeur domiciliaire ou la marge de crédit domiciliaire. La valeur nette de la maison correspond à la différence entre la valeur de votre maison et le solde de votre prêt hypothécaire. La marge de crédit domiciliaire a l’avantage de vous permettre de ne payer que l’intérêt sur votre emprunt. Cette option convient donc mieux pour les projets qui s’étendent sur plusieurs mois.  1, record 4, French, - pr%C3%AAt%20sur%20valeur%20domiciliaire

Record 4,  Textual support,  Spanish

Record 5,  Textual support,  English

Record number: 5, Textual support number: 1 DEF

Depository financial institution whose primary function is promoting personal savings(thrift) and home ownership through mortgage lending. Thrift institutions hold most of their assets in mortgages and collect most of their deposits from consumers. Savings and Loan Associations, Savings Banks, and Credit Unions are all considered thrift institutions. Thrift institutions, at one time restricted to mortgage lending, have gained parity with commercial banks over the last 20 years and many thrifts offer the same range of nonmortgage credit services-credit cards, auto loans, home equity loans, and business loans-available from commercial banks.  2, record 5, English, - thrift%20institution

Record 5,  Textual support,  French

Record number: 5, Textual support number: 1 CONT

Le terme générique «thrift institution» (institution d'épargne) est une réalité du système financier américain qui englobe les Credits Unions, les Savings Banks et les Savings and Loan Associations.  2, record 5, French, - institution%20d%27%C3%A9pargne

Record 5,  Textual support,  Spanish

Record 6,  Textual support,  English

Record number: 6, Textual support number: 1 CONT

A Home Equity Line of Credit(often called HELOC, pronounced HEE-lock) is a loan in which the lender agrees to lend a maximum amount within an agreed period(called a term), where the collateral is the borrower's equity in his/her house. A HELOC differs from a conventional home equity loan in that the borrower is not advanced the entire sum up front, but uses the line of credit to borrow sums that total no more than the amount, similar to a credit card.  4, record 6, English, - home%20equity%20line%20of%20credit

Record number: 6, Textual support number: 2 CONT

A Home Equity Line of Credit is simply a revolving Line of Credit that allows you to use the equity in your home to borrow money.  5, record 6, English, - home%20equity%20line%20of%20credit

Record number: 6, Textual support number: 3 CONT

Both a home equity line of credit(home equity credit line) and a home equity loan are secured by the equity in your home.  6, record 6, English, - home%20equity%20line%20of%20credit

Record 6,  Textual support,  French

Record number: 6, Textual support number: 1 DEF

Marge de crédit dont le remboursement est garanti par une hypothèque.  5, record 6, French, - marge%20de%20cr%C3%A9dit%20hypoth%C3%A9caire

Record number: 6, Textual support number: 1 CONT

Les emprunteurs bénéficient de nouveaux canaux de financement peu coûteux, pour liquider des actifs réels et accéder à l'épargne disponible, au travers par exemple des lignes de crédit gagées sur des biens immobiliers [...]  6, record 6, French, - marge%20de%20cr%C3%A9dit%20hypoth%C3%A9caire

Record number: 6, Textual support number: 1 OBS

La Société canadienne d'hypothèques et de logement rend «home equity concession» par «transformation de l'avoir foncier».  4, record 6, French, - marge%20de%20cr%C3%A9dit%20hypoth%C3%A9caire

Record 6,  Textual support,  Spanish

Record 7,  Textual support,  English

Record number: 7, Textual support number: 1 CONT

Equity advance. If and when required an equity can be made to assist the employee in the purchase of a new home. The amount of the advance will not exceed 10% of the guaranteed price or 90% of the equity value accumulated in the presently owned property, whichever is less.  1, record 7, English, - equity%20advance

Record 7,  Textual support,  French

Record number: 7, Textual support number: 1 OBS

avance : Somme que l'on prête, paiement anticipé, déboursé que l'on fait pour quelqu'un.  2, record 7, French, - avance%20de%20mise%20de%20fonds

Record number: 7, Textual support number: 2 OBS

mise de fonds : Somme nécessaire à la création d'une entreprise.  3, record 7, French, - avance%20de%20mise%20de%20fonds

Record number: 7, Textual support number: 3 OBS

Équivalent proposé par la Société centrale d'hypothèques et de logement.  1, record 7, French, - avance%20de%20mise%20de%20fonds

Record 7,  Textual support,  Spanish

Record 8,  Textual support,  English

Record number: 8, Textual support number: 1 CONT

Borrowing against home equity, or home equity withdrawal, means turning home equity into financial capital by taking out a loan secured by the home without selling it.  1, record 8, English, - home%20equity%20withdrawal

Record 8,  Textual support,  French

Record number: 8, Textual support number: 1 CONT

L'emprunt garanti par l'avoir propre foncier, ou le dégagement de l'avoir propre foncier, signifie transformer l'avoir propre foncier en capital en contractant un emprunt garanti par la maison sans vendre celle-ci.  1, record 8, French, - d%C3%A9gagement%20de%20l%27avoir%20propre%20foncier

Record 8,  Textual support,  Spanish

Record 9,  Textual support,  English

Record number: 9, Textual support number: 1 CONT

A piggyback mortgage loan is a second loan that closes at the same time as the first mortgage loan. Typically the first mortgage loan is only 80 percent of the home value. ... A piggyback loan is usually for 10 percent of the remaining balance, after that the purchaser has to come up with the rest as a down payment.  5, record 9, English, - piggyback%20mortgage%20loan

Record number: 9, Textual support number: 2 CONT

Homeowners who don’t have 20 percent for a down payment and don’t want to pay PMI can opt for a piggyback loan, which is essentially a home equity loan that funds a portion of the down payment.  6, record 9, English, - piggyback%20mortgage%20loan

Record number: 9, Textual support number: 3 CONT

The disadvantage of a piggyback loan is that it could take as long as 10 years to pay off your second loan.  6, record 9, English, - piggyback%20mortgage%20loan

Record number: 9, Textual support number: 1 OBS

Piggyback mortgages are also called 80-10-10 loans  5, record 9, English, - piggyback%20mortgage%20loan

Record 9,  Textual support,  French

Record number: 9, Textual support number: 1 CONT

Les prêts gigognes occupent également une part du marché importante aux États-Unis, surtout parce qu'ils sont exempts de primes d'assurance hypothécaire.  1, record 9, French, - pr%C3%AAt%20gigogne

Record number: 9, Textual support number: 1 OBS

D'après les recherches effectuées, il s'agit de deux prêts hypothécaires qui se composent ainsi : l'un représente 80% de la valeur de la maison, l'autre 10 % auquel s'ajoute un apport de 10%. Ce type de prêt est souvent appelé «prêt 80-10-10» ou «prêt 80-15-5». L'emprunteur, par conséquent évite ainsi de payer l'assurance hypothécaire privée (PMI).  2, record 9, French, - pr%C3%AAt%20gigogne

Record 9,  Textual support,  Spanish

Record 10,  Textual support,  English

Record number: 10, Textual support number: 1 CONT

Mortgage refinancing : refinancing a mortgage means paying off a current mortgage and replacing it with a new one. This can be done with the existing bank(lender) often named renewal or via another bank(lender). There are many unique reasons why homeowners refinance : to obtain a lower interest rate; to shorten the term of their mortgage; to change the type of mortgage; to access the home's equity for other needs; mortgage refinancing when moving and buying a home; to consolidate debt; to be able to convert part or all of [the] mortgage interest to be tax-deductible in Canada.  2, record 10, English, - mortgage%20refinancing

Record number: 10, Textual support number: 2 CONT

Mortgage refinancing has costs; examples are property appraisal, legal fees and therefore it’s important for a homeowner to determine whether his or her reason for refinancing offers true value.  2, record 10, English, - mortgage%20refinancing

Record 10,  Textual support,  French

Record number: 10, Textual support number: 1 CONT

Les ménages canadiens ont continué de s'endetter à un rythme soutenu, quoique légèrement inférieur au sommet enregistré au milieu de 2006. La hausse des prix des logements nourrit la demande de crédit, car les ménages recourent de plus en plus au refinancement hypothécaire pour tirer parti de l'augmentation de leur avoir propre foncier.  2, record 10, French, - refinancement%20hypoth%C3%A9caire

Record 10,  Textual support,  Spanish

Record 11,  Textual support,  English

Record number: 11, Textual support number: 1 OBS

Canada Mortgage and Housing Corporation, Research highlights; socio-economic series, Ottawa, 2004.  1, record 11, English, - Consumer%20Support%20and%20Protection%20in%20Mortgage%20and%20Home%20Equity%20Based%20Borrowing%20%3A%20The%20U%2E%20S%2E%20Experience%20and%20Canadian%20Comparisons

Record 11,  Textual support,  French

Record number: 11, Textual support number: 1 OBS

Société canadienne d'hypothèques et de logement, Le point en recherche; série socio-économique, Ottawa, 2004.  1, record 11, French, - La%20sensibilisation%20et%20la%20protection%20des%20consommateurs%20en%20mati%C3%A8re%20d%27emprunt%20hypoth%C3%A9caire%20et%20de%20transformation%20de%20l%27avoir%20propre%20foncier%20la%20situation%20aux%20%C3%89tats%2DUnis%20et%20une%20comparaison%20avec%20le%20Canada

Record 11,  Textual support,  Spanish

Record 12,  Textual support,  English

Record number: 12, Textual support number: 1 OBS

Canada Mortgage and Housing Corporation, Research highlights; socio-economic series, Ottawa, 2004.  1, record 12, English, - House%20Prices%2C%20Borrowing%20Against%20Home%20Equity%2C%20and%20Consumer%20Expenditures

Record 12,  Textual support,  French

Record number: 12, Textual support number: 1 OBS

Société canadienne d'hypothèques et de logement, Le point en recherche; série socio-économique, Ottawa, 2004.  1, record 12, French, - Prix%20des%20maisons%2C%20emprunts%20garantis%20par%20l%27avoir%20propre%20foncier%20et%20d%C3%A9penses%20de%20consommation

Record 12,  Textual support,  Spanish

Record 13,  Textual support,  French

Record 13,  Textual support,  Spanish

Record 14,  Textual support,  English

Record number: 14, Textual support number: 1 OBS

Component of the Housing program. This program is a component of the Winnipeg Development Agreement signed between the government of Canada and the government of Manitoba.  1, record 14, English, - Home%20Equity

Record 14,  Textual support,  French

Record number: 14, Textual support number: 1 OBS

Composante du Programme du logement. Ce programme est une composante de l'Entente sur le développement de Winnipeg signée entre le gouvernement du Canada et le gouvernement du Manitoba.  1, record 14, French, - Accession%20%C3%A0%20la%20propri%C3%A9t%C3%A9

Record 14,  Textual support,  Spanish

Record 15,  Textual support,  English

Record 15,  Textual support,  French

Record number: 15, Textual support number: 1 OBS

Avantage offert dans le cadre du Programme de réinstallation des FC  2, record 15, French, - Garantie%20de%20remboursement%20de%20pertes%20immobili%C3%A8res

Record number: 15, Textual support number: 2 OBS

Source : client, major Coulombe  2, record 15, French, - Garantie%20de%20remboursement%20de%20pertes%20immobili%C3%A8res

Record number: 15, Textual support number: 3 OBS

Adopté DSTM Défense nationale - QG  2, record 15, French, - Garantie%20de%20remboursement%20de%20pertes%20immobili%C3%A8res

Record 15,  Textual support,  Spanish

Record 16,  Textual support,  English

Record number: 16, Textual support number: 1 OBS

Home equity conversion is commonly understood to be the generation of cash by borrowing against home equity from a lender. The home is mortgaged by the borrower to provide an interest to the lender. The borrower retains occupancy rights until the loan has to be repaid because the cash is generated from home equity through a mortgage loan, rather than through the sale of the home.  1, record 16, English, - home%20equity%20conversion

Record 16,  Textual support,  French

Record number: 16, Textual support number: 1 OBS

On entend généralement par transformation de l'avoir propre foncier l'obtention de liquidités par emprunt sur l'avoir propre foncier chez un prêteur. L'emprunteur souscrit une hypothèque sur son logement et verse un intérêt au prêteur. L'emprunteur conserve les droits d'occupation jusqu'à ce que le prêt doive être remboursé, car les liquidités proviennent de l'avoir propre foncier par l'intermédiaire d'un prêt hypothécaire, plutôt que par la vente du logement.  1, record 16, French, - transformation%20d%27avoir%20propre

Record 16,  Textual support,  Spanish

Record 17,  Textual support,  English

Record number: 17, Textual support number: 1 OBS

Security Life Insurance Company Limited. Information obtained from the organization.  3, record 17, English, - Home%20Equity%20Plan

Record 17,  Textual support,  French

Record 17,  Textual support,  Spanish

Record 18,  Textual support,  English

Record number: 18, Textual support number: 1 OBS

equity in a home is calculated by substracting the mortgage outstanding on the home from its estimated value.  1, record 18, English, - equity%20in%20a%20home

Record 18,  Textual support,  French

Record 18,  Textual support,  Spanish