TERMIUM Plus^®

Record 1,  Textual support,  English

Record number: 1, Textual support number: 1 CONT

The terms of a loan are typically influenced by the borrower's credit score, income, loan amount, and the loan's purpose. Lenders assess these factors to determine the loan terms which include the interest rate, repayment period, and monthly installment amount.  4, record 1, English, - loan%20terms%20and%20conditions

Record number: 1, Textual support number: 2 CONT

A loan agreement ... is one of the loan documents used to document the terms and conditions of a loan.  3, record 1, English, - loan%20terms%20and%20conditions

Record 1,  Textual support,  French

Record number: 1, Textual support number: 1 CONT

La cote de crédit peut se répercuter sur les conditions d'un prêt. Les prêteurs peuvent offrir des périodes de remboursement plus longues ou des options de paiement souples aux emprunteurs ayant une bonne cote de solvabilité.  2, record 1, French, - conditions%20d%27un%20pr%C3%AAt

Record 1,  Textual support,  Spanish

Record number: 1, Textual support number: 1 CONT

Las condiciones de un préstamo, como los intereses que habrá que abonar o la cuantía de las cuotas periódicas, se reflejan en el contrato de préstamo.  2, record 1, Spanish, - condiciones%20de%20un%20pr%C3%A9stamo

Record 2,  Textual support,  English

Record number: 2, Textual support number: 1 DEF

A priority right allowing its holder (the creditor) to demand payment from a debtor before any other creditor, when the debtor is in default of payment.  3, record 2, English, - senior%20debt

Record number: 2, Textual support number: 1 CONT

Because [public income notes] are unsubordinated(also called senior debt), they have precedence over other loans or securities in the event that the issuing company should default. This means that an investor holding [public income notes] faces less default risk than with subordinated debt... because holders of unsubordinated debt are at the front of the line to be repaid.  2, record 2, English, - senior%20debt

Record 2,  Textual support,  French

Record number: 2, Textual support number: 1 DEF

Droit prioritaire permettant à son titulaire (le créancier) d'exiger d'un débiteur de le payer avant tout autre créancier, lorsque le débiteur se trouve en défaut de paiement.  3, record 2, French, - cr%C3%A9ance%20prioritaire

Record 2,  Textual support,  Spanish

Record number: 2, Textual support number: 1 DEF

Deuda que tiene mayor prelación en caso de liquidación de una sociedad que otras.  1, record 2, Spanish, - deuda%20preferente

Record number: 2, Textual support number: 1 OBS

deuda preferente: término y definición extraídos del CAPITAL Business Dictionary con la autorización de LID Editorial Empresarial.  3, record 2, Spanish, - deuda%20preferente

Record 3,  Textual support,  English

Record number: 3, Textual support number: 1 OBS

The purpose of the survey is to collect information from a sample of Canadian households on their assets, debts, employment, income and education. The SFS provides a comprehensive picture of the financial health of Canadians. Information is collected on the value of all major financial and non-financial assets and on the money owing on mortgages, vehicles, credit cards, student loans and other debts.  2, record 3, English, - Survey%20of%20Financial%20Security

Record number: 3, Textual support number: 2 OBS

Statistics Canada.  2, record 3, English, - Survey%20of%20Financial%20Security

Record 3,  Textual support,  French

Record number: 3, Textual support number: 1 OBS

Le but de l'enquête est de recueillir des informations d'un échantillon de ménages canadiens sur leurs avoirs et leurs dettes, emploi, revenu et éducation. L'ESF permet de brosser un portrait indispensable du bien-être financier des Canadiens. L'information recueillie porte sur la valeur de tous les avoirs (actifs) financiers et non financiers ainsi que sur les sommes dues sur l'hypothèque, les véhicules, les cartes de crédit, les prêts étudiants et les autres dettes.  2, record 3, French, - Enqu%C3%AAte%20sur%20la%20s%C3%A9curit%C3%A9%20financi%C3%A8re

Record number: 3, Textual support number: 2 OBS

Statistique Canada.  2, record 3, French, - Enqu%C3%AAte%20sur%20la%20s%C3%A9curit%C3%A9%20financi%C3%A8re

Record 3,  Textual support,  Spanish

Record 4,  Textual support,  English

Record number: 4, Textual support number: 1 OBS

The methods banks used to account for losses on loans [were] often characterized as sleight of hand intended to smooth the effects of unusually high or low loan losses on the income statement(...)  1, record 4, English, - smooth

Record 4,  Textual support,  French

Record 4,  Textual support,  Spanish

Record 5,  Textual support,  English

Record number: 5, Textual support number: 1 CONT

Economic Action Plan 2015 proposes to remove this penalty for working by eliminating in-study student income from the Canada Student Loans Program needs assessment process. This change ensures that students can work and gain valuable labour market experience while attending school without having to worry about a reduction in their financial assistance.  1, record 5, English, - in%2Dstudy%20income

Record 5,  Textual support,  French

Record number: 5, Textual support number: 1 CONT

Le Plan d'action économique de 2015 propose de retirer cette pénalité liée au travail en éliminant les revenus en cours d'études du processus d'évaluation des besoins du Programme canadien de prêts aux étudiants. Ce changement permet aux étudiants de travailler et d'acquérir une expérience de travail précieuse tout en fréquentant l'école sans devoir se soucier de la réduction de leur aide financière.  1, record 5, French, - revenu%20en%20cours%20d%27%C3%A9tudes

Record 5,  Textual support,  Spanish

Record 6,  Textual support,  English

Record number: 6, Textual support number: 1 CONT

Some Canadian corporations have recently been engaging in schemes, often referred to as foreign tax credit generators, that are designed to shelter tax otherwise payable in respect of interest income on loans made, indirectly, to foreign corporations.  2, record 6, English, - foreign%20tax%20credit%20generator

Record 6,  Textual support,  French

Record number: 6, Textual support number: 1 CONT

Certaines sociétés canadiennes recourent depuis peu à des stratagèmes (souvent appelés générateurs de crédit pour impôt étranger) conçus pour mettre à l'abri l'impôt payable par ailleurs relativement au revenu d'intérêt tiré de prêts consentis, indirectement, à des sociétés étrangères.  2, record 6, French, - g%C3%A9n%C3%A9rateur%20de%20cr%C3%A9dit%20pour%20imp%C3%B4t%20%C3%A9tranger

Record 6,  Textual support,  Spanish

Record 7,  Textual support,  English

Record number: 7, Textual support number: 1 CONT

Title l of the 1949 Housing Act authorized federal grants and loans to localities for slum clearance and urban redevelopment, under the condition that there be "a feasible method for the temporary relocation of families displaced from the project area and the permanent provision of decent dwellings at prices and rents within the financial means of such families. "Ostensibly, slum clearance was done to promote the building of low and moderate income housing. However, private developers were largely uninterested in inner-city residential redevelopment when vacant land was readily available at the periphery. The first lesson of urban renewal was clearly taught, if not learned : land clearance does not create demand. Instead, public housing was developed in large scale residential "projects" in urban renewal district.  3, record 7, English, - urban%20redevelopment

Record number: 7, Textual support number: 2 CONT

A comprehensive understanding of market dynamics is essential to analysis of urban redevelopment projects. Terzo & Bologna, Inc.’s proven expertise in this field has led to the firm being retained for a vast array of urban redevelopment projects to include downtown revitalization and adaptive reuse of special purpose properties such as historic theaters and military facilities.  4, record 7, English, - urban%20redevelopment

Record 7,  Textual support,  French

Record number: 7, Textual support number: 1 DEF

Opération qui a pour but de traiter un quartier bâti en vue de l'adapter aux nécessités de la vie urbaine contemporaine.  4, record 7, French, - r%C3%A9novation%20urbaine

Record number: 7, Textual support number: 1 OBS

[La rénovation urbaine] Peut se traduire par la reconstruction complète ou partielle, la réhabilitation ou la restauration du quartier.  4, record 7, French, - r%C3%A9novation%20urbaine

Record number: 7, Textual support number: 1 CONT

D'une façon générale, on peut qualifier de rénovation, toute opération coordonnée de construction d'un îlot ou d'un quartier. La rénovation urbaine qui est un renouvellement du tissu urbain existant est donc le complément de l'urbanisation périphérique. Elle se distingue par ailleurs de la restauration immobilière dans laquelle la plupart des constructions existantes sont conservées.  5, record 7, French, - r%C3%A9novation%20urbaine

Record 7,  Textual support,  Spanish

Record 8,  Textual support,  English

Record number: 8, Textual support number: 1 OBS

Luckily, the Federal government realizes the needs for graduate level study, that's why it suggests the Stafford Loans program in order to supply a diversity of graduate student loans. You should complete a free application for student assistance(FAFSA loan) and then make a decision which loan path to follow. Stafford graduate student loans are managed by the graduate schools to which you are appealing, but they are given by the government. One of the greatest benefits of Stafford graduate student loan is the fact that you will be permitted a half-year grace period that follows your graduation before you should begin your payments. If the government chooses your application, they supply you with a list of their accepted creditors. Only students who have not neglected on other loans are eligible for this kind of loan. If your income is too low, you may pretend to your graduate student loans financed by the government. It means that when you are entered in graduate school, you will not be accountable for the interest on your lend. If your income level is high enough, the interest on your loans will be joined to the principal which you should to pay off.  1, record 8, English, - Stafford%20Loans

Record 8,  Textual support,  French

Record 8,  Textual support,  Spanish

Record 9,  Textual support,  English

Record number: 9, Textual support number: 1 DEF

The amount by which consumer spending exceeds disposable income in the same period. It means that an individual, or all individuals together, are either using some previously accumulated wealth to make purchases or are taking out loans that will have to be repaid out of future income.  3, record 9, English, - dissaving

Record number: 9, Textual support number: 2 DEF

An individuals’ preference for immediate consumption as opposed to saving for the future.  4, record 9, English, - dissaving

Record number: 9, Textual support number: 1 CONT

The "break-even point" is the income level where net saving is zero. Below it, there is dissaving, or negative saving; ...  5, record 9, English, - dissaving

Record number: 9, Textual support number: 1 OBS

dissaving: term and definition reproduced from the CAPITAL Business Dictionary with the permission of LID Editorial Empresarial.  3, record 9, English, - dissaving

Record 9,  Textual support,  French

Record number: 9, Textual support number: 1 DEF

Choix du particulier pour la consommation présente contre la consommation future.  3, record 9, French, - d%C3%A9s%C3%A9pargne

Record number: 9, Textual support number: 1 CONT

Excédent des dépenses de consommation sur le revenu disponible au cours d'une période. Il y a désépargne lorsqu'un particulier, ou l'ensemble des particuliers, utilise une partie du patrimoine constitué précédemment pour effectuer des achats ou contracte des emprunts qui devront être remboursés sur le revenu futur.  4, record 9, French, - d%C3%A9s%C3%A9pargne

Record number: 9, Textual support number: 1 OBS

Définition extraite du CAPITAL Business Dictionary et reproduite avec l'autorisation de LID Editorial Empresarial.  5, record 9, French, - d%C3%A9s%C3%A9pargne

Record 9,  Textual support,  Spanish

Record number: 9, Textual support number: 1 DEF

Preferencia del individuo por el consumo presente frente al consumo futuro.  3, record 9, Spanish, - desahorro

Record number: 9, Textual support number: 1 OBS

desahorro; ahorro negativo: términos y definición extraídos del CAPITAL Business Dictionary con la autorización de LID Editorial Empresarial.  4, record 9, Spanish, - desahorro

Record 10,  Textual support,  English

Record number: 10, Textual support number: 1 OBS

Human Resources Development Canada. This project consists of a number of components aimed at streamlining how businesses provide payroll information to Human Resources and Development Canada for the Employment Insurance, Income Security(Canada Pension Plan and Old Age Security) and Canada Student Loans programs. The project will also support the future development of an electronic storage point of client information which will improve Canadians’ ability to access information on their Employment Insurance or Income Security claims for benefits, or the status of their student loan.  1, record 10, English, - Earnings%20and%20Payroll%20Data%20from%20Employers%20Project

Record 10,  Textual support,  French

Record number: 10, Textual support number: 1 OBS

Développement des ressources humaines Canada. Ce projet comporte un certain nombre d'éléments qui visent à simplifier la façon dont les entreprises fournissent des données sur la paie à Développement des ressources humaines Canada, aux fins de l'assurance-emploi, au Programme de la sécurité du revenu (Régime de pensions du Canada et Sécurité de la vieillesse) et au Programme canadien de prêts aux étudiants. Par ailleurs, le projet donnera lieu à l'élaboration d'un entrepôt de données sur les clients grâce auquel les Canadiens pourront obtenir de l'information sur leurs demandes de prestations d'assurance-emploi ou de sécurité du revenu, ou sur la situation de leur prêt étudiant.  1, record 10, French, - Donn%C3%A9es%20des%20employeurs%20sur%20la%20r%C3%A9mun%C3%A9ration%20et%20la%20liste%20de%20paie

Record 10,  Textual support,  Spanish

Record 11,  Textual support,  English

Record number: 11, Textual support number: 1 DEF

Defined as interest received on loans less interest paid on deposits plus other income(interest received on investments, gains or losses in foreign exchange operations and commissions and fees received and paid).  2, record 11, English, - gross%20earnings%20margin

Record 11,  Textual support,  French

Record 11,  Textual support,  Spanish

Record 12,  Textual support,  French

Record 12,  Textual support,  Spanish

Record 13,  Textual support,  English

Record number: 13, Textual support number: 1 CONT

As an example of [financing lifelong learning], a suitably designed income contingent repayment loan plan might provide up to four dollars in loans for every dollar of cash the federal government puts into it.  4, record 13, English, - income%20contingent%20repayment%20loan%20plan

Record 13,  Textual support,  French

Record number: 13, Textual support number: 1 OBS

Dans le cadre de la réforme de la sécurité sociale, Développement des ressources humaines Canada.  3, record 13, French, - r%C3%A9gime%20de%20pr%C3%AAts%20remboursables%20en%20fonction%20du%20revenu

Record 13,  Textual support,  Spanish

Record 14,  Textual support,  English

Record number: 14, Textual support number: 1 OBS

Refers to loans for which repayment is dependent upon the income of the borrower, for example, 3% of income.  1, record 14, English, - income%20contingent

Record 14,  Textual support,  French

Record number: 14, Textual support number: 1 OBS

Se dit de prêts dont le montant remboursé repose sur le revenu de l'emprunteur (p. ex. 3 % du revenu).  1, record 14, French, - en%20fonction%20du%20revenu

Record 14,  Textual support,  Spanish

Record 15,  Textual support,  English

Record number: 15, Textual support number: 1 DEF

Monthly payments proportional to income.  2, record 15, English, - debt%20service%20ratio

Record number: 15, Textual support number: 1 OBS

(Net income + depreciation + interest paid) [divided by](interest paid + repayment of long-term loans). A financial ratio used to judge creditworthiness.  3, record 15, English, - debt%20service%20ratio

Record 15,  Textual support,  French

Record number: 15, Textual support number: 1 DEF

Proportion des mensualités par rapport au revenu.  2, record 15, French, - ratio%20du%20service%20de%20la%20dette

Record 15,  Textual support,  Spanish

Record number: 15, Textual support number: 1 OBS

(Ingreso neto + depreciación + interés pagado) [dividido por] (interés pagado + reembolso de los préstamos a largo plazo). Es una relación financiera utilizada para juzgar la solvencia crediticia.  1, record 15, Spanish, - relaci%C3%B3n%20del%20servicio%20de%20la%20deuda

Record 16,  Textual support,  English

Record number: 16, Textual support number: 1 OBS

The Interest Relief Plan, as a component of the Canada Student Loans Program, helps full-time or part-time students who are finding it difficult to pay back their federal student loans because of low income. Under the Plan, the Government of Canada pays the interest on Canada student loans and, during this time, the student does not have to make any loan payments. Interest relief is normally approved for 3 month periods for a maximum lifetime benefit of up to 18 months and is available within the first five years of repayment for full-time students. Part-time students may receive interest relief one month after receiving their loan.  2, record 16, English, - Interest%20Relief%20Plan

Record 16,  Textual support,  French

Record number: 16, Textual support number: 1 OBS

Le Régime d'exemption d'intérêts, composante du Programme canadien de prêts aux étudiants, aide les étudiants à temps plein ou à temps partiel qui ont de la difficulté à rembourser leur prêt d'études fédéral en raison d'un faible revenu. En vertu de ce régime, le gouvernement du Canada paye les intérêts sur le prêt canadien d'études et, durant la période où il s'applique, l'étudiant n'est pas tenu de rembourser son prêt. En temps normal, l'approbation d'exemption d'intérêts est valide pour des périodes de trois mois sur une durée maximale à vie de 18 mois au cours des cinq premières années du remboursement pour les étudiants à temps plein. Les étudiants à temps partiel peuvent obtenir une exemption d'intérêts un mois après avoir touché leur prêt.  2, record 16, French, - R%C3%A9gime%20d%27exemption%20d%27int%C3%A9r%C3%AAts

Record 16,  Textual support,  Spanish

Record 17,  Textual support,  English

Record number: 17, Textual support number: 1 DEF

Loans and investments.  2, record 17, English, - earning%20assets

Record number: 17, Textual support number: 1 CONT

In banking, earning assets include securities and loans and discounts but exclude cash and due from other banks. The latter category produces no income.  3, record 17, English, - earning%20assets

Record 17,  Textual support,  French

Record number: 17, Textual support number: 1 CONT

On entend par actif productif toutes les catégories d'actif, y compris l'actif financé en monnaie locale, à l'exception des postes encaisse à la Banque du Canada, acceptations, terrains, construction, matériel et mobilier, et autres éléments d'actif.  4, record 17, French, - actif%20productif

Record 17,  Textual support,  Spanish

Record 18,  Textual support,  English

Record number: 18, Textual support number: 1 DEF

Gross disbursements plus outstanding debts due to mature, less repayments and sales of loans, less net income adjusted for non-cash items, less the increase in usable capital.  1, record 18, English, - net%20cash%20requirement

Record 18,  Textual support,  French

Record 18,  Textual support,  Spanish

Record 19,  Textual support,  French

Record 19,  Textual support,  Spanish

Record 20,  Textual support,  English

Record number: 20, Textual support number: 1 OBS

Issued by the Minister of Finance, Ottawa, 1997, 33 pages.  1, record 20, English, - Legislative%20and%20regulatory%20proposals%20and%20explanatory%20notes%20relating%20to%20income%20tax%20%3A%20impaired%20loans

Record 20,  Textual support,  French

Record number: 20, Textual support number: 1 OBS

Publié par le ministre des Finances, Ottawa, 1997, 36 pages.  1, record 20, French, - Propositions%20l%C3%A9gislatives%20et%20r%C3%A9glementaires%20et%20notes%20explicatives%20concernant%20l%27imp%C3%B4t%20sur%20le%20revenu%20%3A%20pr%C3%AAts%20douteux

Record 20,  Textual support,  Spanish

Record 21,  Textual support,  English

Record number: 21, Textual support number: 1 DEF

Income from loans and investments minus cost of borrowing.  1, record 21, English, - financial%20spread

Record 21,  Textual support,  French

Record number: 21, Textual support number: 1 CONT

[...] un revenu plus élevé de commission combat la réduction de la marge financière qui a fondu depuis la fin de la réglementation.  2, record 21, French, - marge%20financi%C3%A8re

Record 21,  Textual support,  Spanish

Record 22,  Textual support,  English

Record number: 22, Textual support number: 1 OBS

Bill C-223.  1, record 22, English, - An%20Act%20to%20amend%20the%20Income%20Tax%20Act%28deduction%20of%20interest%20on%20mortgage%20loans%29

Record 22,  Textual support,  French

Record number: 22, Textual support number: 1 OBS

Projet de loi C-223.  1, record 22, French, - Loi%20modifiant%20la%20Loi%20de%20l%27imp%C3%B4t%20sur%20le%20revenu%20%28d%C3%A9duction%20des%20int%C3%A9r%C3%AAts%20hypoth%C3%A9caires%29

Record 22,  Textual support,  Spanish

Record 23,  Textual support,  English

Record number: 23, Textual support number: 1 CONT

In addition to regular leases, financing is available through dollar option leases, which are treated as loans for income tax purposes.  1, record 23, English, - dollar%20option%20lease

Record 23,  Textual support,  French

Record number: 23, Textual support number: 1 OBS

bail avec option d'achat : Contrat de location qui permet au locataire d'acheter le bien loué à une date et à un prix déterminés dans le bail.  2, record 23, French, - bail%20avec%20option%20d%27achat%20%C3%A0%201%2C00%20%24

Record 23,  Textual support,  Spanish

Record 24,  Textual support,  English

Record number: 24, Textual support number: 1 OBS

Manitoba, Housing. Provides interest-free loans to low income homeowners for repairs impacting the health and safety of the occupants.  1, record 24, English, - Homeowner%20Emergency%20Loan%20Program

Record 24,  Textual support,  French

Record number: 24, Textual support number: 1 OBS

Manitoba, Logement. Accorde des prêts sans intérêts aux propriétaires à faibles revenus pour les réparations nécessaires à la santé et à la sécurité des personnes occupant le logement.  1, record 24, French, - Programme%20d%27aide%20aux%20propri%C3%A9taires%20pour%20les%20r%C3%A9parations%20domiciliaires%20urgentes

Record 24,  Textual support,  Spanish

Record 25,  Textual support,  English

Record number: 25, Textual support number: 1 CONT

... the five-year formula [is] used by Canadian banks to calculate the provision for loan losses charged to income. Under the formula, the provision was based on the ratio of loss experience on loans for the five financial years, ending with the current year applied to the amount of loans at the end of the current financial year. The formula had the effect of smoothing the recognition of large loan losses in income.  2, record 25, English, - five%2Dyear%20averaging%20formula

Record 25,  Textual support,  French

Record 25,  Textual support,  Spanish

Record 26,  Textual support,  English

Record number: 26, Textual support number: 1 DEF

Debt securities collateralized by mortgage loans on the bond issuer's books. The income generated by the mortgages is used to pay principal and interest on the bonds. The best example is the collateralized mortgage obligation issued by the Federal Home Loan Mortgage Corporation.  1, record 26, English, - pay%2Dthrough%20bond

Record 26,  Textual support,  French

Record 26,  Textual support,  Spanish

Record 27,  Textual support,  French

Record 27,  Textual support,  Spanish

Record 28,  Textual support,  French

Record 28,  Textual support,  Spanish