TERMIUM Plus^®

Record 1,  Textual support,  English

Record number: 1, Textual support number: 1 CONT

The cross-hypothec is a hypothec that the undivided co-owners grant each other among themselves; it aims at guaranteeing the hypothecary obligations(also known as mortgage obligations) of each one of them towards the others. The undivided co-owners guarantee to each other the payment of their hypothecary obligations.  1, record 1, English, - cross%2Dhypothec

Record 1,  Textual support,  French

Record number: 1, Textual support number: 1 CONT

La deuxième technique de protection consiste à créer une hypothèque entrecroisée, c'est-à-dire que chaque indivisaire hypothèque ses droits indivis en faveur de chacun des autres indivisaires pour garantir le bon fonctionnement de la copropriété indivise et le respect par chacun des indivisaires des obligations et engagements qu'il a contractés aux termes de son titre d'acquisition et de la convention d'indivision.  1, record 1, French, - hypoth%C3%A8que%20entrecrois%C3%A9e

Record 1,  Textual support,  Spanish

Record 2,  Textual support,  English

Record number: 2, Textual support number: 1 OBS

The incentive enables home buyers to reduce the amount of money required from an insured mortgage without increasing the amount they must save for a down payment.  3, record 2, English, - First%2DTime%20Home%20Buyer%20Incentive

Record number: 2, Textual support number: 2 OBS

Canada Mortgage and Housing Corporation.  4, record 2, English, - First%2DTime%20Home%20Buyer%20Incentive

Record 2,  Textual support,  French

Record number: 2, Textual support number: 1 OBS

L'incitatif permet aux acheteurs d'une habitation de réduire le montant requis d'une hypothèque assurée sans augmenter le montant qu'ils doivent épargner au titre de la mise de fonds.  2, record 2, French, - Incitatif%20%C3%A0%20l%27achat%20d%27une%20premi%C3%A8re%20propri%C3%A9t%C3%A9

Record number: 2, Textual support number: 2 OBS

Société canadienne d'hypothèques et de logement.  3, record 2, French, - Incitatif%20%C3%A0%20l%27achat%20d%27une%20premi%C3%A8re%20propri%C3%A9t%C3%A9

Record 2,  Textual support,  Spanish

Record 3,  Textual support,  English

Record number: 3, Textual support number: 1 CONT

What is mortgage payment deferral? Mortgage payment deferrals can help you during times of financial hardship — like unemployment or reduced employment due to the Coronavirus(COVID-19) outbreak.  1, record 3, English, - mortgage%20payment%20deferral

Record 3,  Textual support,  French

Record number: 3, Textual support number: 1 CONT

Qu'est-ce que le report des paiements hypothécaires? Le report des paiements hypothécaires peut vous aider lorsque vous traversez des difficultés financières. Cette situation peut être liée au chômage ou à la réduction des heures de travail en raison de la pandémie de la COVID-19.  1, record 3, French, - report%20des%20paiements%20hypoth%C3%A9caires

Record 3,  Textual support,  Spanish

Record 4,  Textual support,  English

Record number: 4, Textual support number: 1 DEF

An account in which funds paid in by a first party are held by a third party.  2, record 4, English, - escrow%20account

Record number: 4, Textual support number: 1 OBS

The funds are to be forwarded to a second party once certain conditions have been met. For example, the property tax portion of a mortgage loan payment could be held by a bank in an escrow account until the due date for property taxes and then paid by the bank to the city.  2, record 4, English, - escrow%20account

Record number: 4, Textual support number: 2 OBS

escrow account: term extracted from the "Glossaire de l’économie" and reproduced with permission of the Organisation for Economic Co-operation and Development.  3, record 4, English, - escrow%20account

Record 4,  Textual support,  French

Record number: 4, Textual support number: 1 OBS

Libéré par un tiers lorsque les conditions préalablement fixées sont remplies.  2, record 4, French, - compte%20de%20garantie%20bloqu%C3%A9

Record number: 4, Textual support number: 2 OBS

compte de garantie bloqué; compte séquestre : termes extraits du «Glossaire de l’économie» et reproduits avec l’autorisation de l’Organisation de coopération et de développement économiques.  5, record 4, French, - compte%20de%20garantie%20bloqu%C3%A9

Record 4,  Textual support,  Spanish

Record 5,  Textual support,  English

Record number: 5, Textual support number: 1 CONT

An assignment by way of charge is one which merely entitles the assignee to payment out of a particular fund and which, unlike the case of a mortgage, does not transfer the fund to him.  2, record 5, English, - assignment%20by%20way%20of%20charge

Record 5,  Textual support,  French

Record number: 5, Textual support number: 1 OBS

cession-charge : terme normalisé par le Comité de normalisation, Promotion de l'accès à la justice dans les deux langues officielles (PAJLO).  2, record 5, French, - cession%2Dcharge

Record number: 5, Textual support number: 2 OBS

L'équivalent «cession-charge» est un néologisme.  2, record 5, French, - cession%2Dcharge

Record 5,  Textual support,  Spanish

Record 6,  Textual support,  English

Record number: 6, Textual support number: 1 CONT

An assignment for the benefit of his creditors made by a debtor voluntarily, as distinguished from a compulsory assignment which takes place by operation of law in proceedings in bankruptcy. Such constitutes an assignment of a debtor's property in trust to pay his debts generally, in distinction from a transfer of property to a particular creditor in payment of his demand, or to a conveyance by way of collateral security or mortgage.(Black, 6th, p. 119)  2, record 6, English, - voluntary%20assignment

Record 6,  Textual support,  French

Record number: 6, Textual support number: 1 OBS

cession volontaire : terme normalisé par le Comité de normalisation, Promotion de l'accès à la justice dans les deux langues officielles (PAJLO).  2, record 6, French, - cession%20volontaire

Record 6,  Textual support,  Spanish

Record 7,  Textual support,  English

Record number: 7, Textual support number: 1 DEF

An obligation that is incidental to another obligation.  3, record 7, English, - accessory%20obligation

Record number: 7, Textual support number: 1 CONT

... a mortgage to secure payment of a bond is an accessory obligation.  3, record 7, English, - accessory%20obligation

Record 7,  Textual support,  French

Record number: 7, Textual support number: 1 OBS

obligation accessoire : terme normalisé par le Comité de normalisation, Promotion de l'accès à la justice dans les deux langues officielles (PAJLO).  2, record 7, French, - obligation%20accessoire

Record 7,  Textual support,  Spanish

Record 8,  Textual support,  English

Record 8,  Textual support,  French

Record number: 8, Textual support number: 1 OBS

paiement hypothécaire : terme normalisé par le Comité de normalisation, Promotion de l’accès à la justice dans les deux langues officielles (PAJLO).  2, record 8, French, - paiement%20hypoth%C3%A9caire

Record 8,  Textual support,  Spanish

Record 9,  Textual support,  English

Record number: 9, Textual support number: 1 CONT

When you take out a mortgage on a home, you’ll generally have your regular payment automatically deducted from your account, to cover the entire amount. This can be deceiving, since your mortgage payment may consist of several components : the mortgage principal and interest, property taxes and mortgage life insurance. Let's take them one at a time.... Mortgage interest. Generally, mortgage interest costs are front-loaded, so that that interest comprises a much larger percentage of your regular mortgage payment at the beginning of the life of the mortgage than toward the end.  2, record 9, English, - mortgage%20interest

Record 9,  Textual support,  French

Record number: 9, Textual support number: 1 OBS

intérêt hypothécaire : terme habituellement utilisé au pluriel.  2, record 9, French, - int%C3%A9r%C3%AAt%20hypoth%C3%A9caire

Record number: 9, Textual support number: 2 OBS

intérêt hypothécaire : terme normalisé par le Comité de normalisation, Promotion de l’accès à la justice dans les deux langues officielles (PAJLO).  2, record 9, French, - int%C3%A9r%C3%AAt%20hypoth%C3%A9caire

Record 9,  Textual support,  Spanish

Record 10,  Textual support,  English

Record number: 10, Textual support number: 1 CONT

Instrument means(a) a bill of exchange, note or cheque within the meaning of the Bills of Exchange Act(Canada),(b) any other writing that evidences a right to payment of money and is of a type that in the ordinary course of business is transferred by delivery with any necessary endorsement or assignment, and(c) a letter of credit or an advice of credit if the letter or advice states that it must be surrendered on claiming payment under it, but does not include(d) a document of title, chattel paper or investment property, or(e) a writing that provides for or creates a mortgage or charge in respect of an interest in land that is specifically identified in the writing.  2, record 10, English, - instrument

Record number: 10, Textual support number: 1 OBS

Within the meaning of the provincial personal property security acts.  3, record 10, English, - instrument

Record 10,  Textual support,  French

Record number: 10, Textual support number: 1 CONT

«effet» désigne a) une lettre de change, un billet à ordre ou un chèque au sens de la Loi sur les lettres de change (Canada), b) tout autre écrit qui atteste un droit à un paiement en argent et d'un genre transférable par livraison, accompagné des endossements ou cessions nécessaires dans le cours normal des affaires, et c) une lettre de crédit ou un avis de crédit si ceux-ci indiquent que la lettre ou l’avis doit être remis sur demande de paiement, mais à l'exclusion d) d'un titre, d'un titre de créance garanti, ou d’un bien de placement, ou e) d'un écrit qui prévoit ou crée une hypothèque ou une charge à l’égard d’un intérêt dans un bien-fonds qui est spécifiquement identifié dans l’écrit.  2, record 10, French, - effet

Record number: 10, Textual support number: 1 OBS

effet : terme normalisé par le Comité de normalisation, Promotion de l'accès à la justice dans les deux langues officielles (PAJLO).  3, record 10, French, - effet

Record number: 10, Textual support number: 2 OBS

Au sens des lois provinciales sur les sûretés mobilières.  4, record 10, French, - effet

Record 10,  Textual support,  Spanish

Record 11,  Textual support,  English

Record number: 11, Textual support number: 1 CONT

"Security interest" means an interest in or charge on property by way of mortgage, lien, pledge or otherwise taken by a creditor or guarantor to secure the payment or performance of an obligation. [Bank Act. ]  2, record 11, English, - security%20interest

Record 11,  Textual support,  French

Record number: 11, Textual support number: 1 DEF

Droit ou charge - notamment hypothèque, privilège ou nantissement - grevant des biens pour garantir au créancier ou à la caution soit le paiement de dettes soit l'exécution d'obligations. [Loi sur les banques.]  2, record 11, French, - s%C3%BBret%C3%A9

Record number: 11, Textual support number: 1 OBS

L'intérêt que possède le titulaire d'une sûreté.  3, record 11, French, - s%C3%BBret%C3%A9

Record number: 11, Textual support number: 2 OBS

Les expressions «security interest in an instrument», «security interest in the proceeds of the disposition» pourront se rendre respectivement par «sûreté sur un effet» et «sûreté sur le produit de l'aliénation».  3, record 11, French, - s%C3%BBret%C3%A9

Record number: 11, Textual support number: 3 OBS

Il pourrait être justifié d'utiliser le terme «intérêt-sûreté» dans certains contextes, par exemple dans un texte didactique.  3, record 11, French, - s%C3%BBret%C3%A9

Record number: 11, Textual support number: 4 OBS

sûreté : terme normalisé par le Comité de normalisation, Promotion de l’accès à la justice dans les deux langues officielles (PAJLO).  4, record 11, French, - s%C3%BBret%C3%A9

Record 11,  Textual support,  Spanish

Record 12,  Textual support,  English

Record number: 12, Textual support number: 1 OBS

Extended sense of charge. A security on property(for payment of a debt or performance of an obligation) that includes mortgage, liens and charges.  2, record 12, English, - charge

Record 12,  Textual support,  French

Record number: 12, Textual support number: 1 OBS

Le verbe «charge» employé dans ce sens, pourra se rendre par «grever d'une sûreté réelle».  2, record 12, French, - s%C3%BBret%C3%A9%20r%C3%A9elle

Record number: 12, Textual support number: 2 OBS

sûreté réelle : terme normalisé par le Comité de normalisation, Promotion de l'accès à la justice dans les deux langues officielles (PAJLO).  3, record 12, French, - s%C3%BBret%C3%A9%20r%C3%A9elle

Record 12,  Textual support,  Spanish

Record 13,  Textual support,  English

Record number: 13, Textual support number: 1 OBS

When a mortgage is viewed as a lien--that is, a claim against or right in property--the question of priority of claim may arise, for if the borrower requires additional funds the same property may be mortgaged not once but two or more times. A first mortgage has prior claim, though not necessarily in time; a second mortgage has second claim, after the first mortgage.... In the case of default, the holder of a second mortgage generally receives no payment until the claims of the first mortgage have been satisfied.  2, record 13, English, - priority%20of%20mortgage

Record 13,  Textual support,  French

Record number: 13, Textual support number: 1 CONT

Priorité. État d'une chose qui est la première de plusieurs autres, par le temps et par le rang: priorité d'hypothèque, de nature, d'origine.  2, record 13, French, - priorit%C3%A9%20d%27hypoth%C3%A8que

Record 13,  Textual support,  Spanish

Record 14,  Textual support,  English

Record number: 14, Textual support number: 1 OBS

mortgage : A conveyance of property(as for security on a loan) on condition that the conveyance becomes void on payment...  2, record 14, English, - mortgage%20accounting

Record 14,  Textual support,  French

Record number: 14, Textual support number: 1 OBS

comptabilité : Tenue des comptes; ensemble des comptes tenus selon les règles.  2, record 14, French, - comptabilit%C3%A9%20hypoth%C3%A9caire

Record number: 14, Textual support number: 2 OBS

hypothécaire : Relatif à l'hypothèque.  2, record 14, French, - comptabilit%C3%A9%20hypoth%C3%A9caire

Record 14,  Textual support,  Spanish

Record 15,  Textual support,  English

Record number: 15, Textual support number: 1 DEF

Every means and manner by which property can pass from the ownership and possession of one person to the ownership and possession of another, either by act of the parties or by operation of law, or both. (Ballentine, p. 1292)  1, record 15, English, - transfer

Record number: 15, Textual support number: 1 OBS

The sale and every other method, direct or indirect, of disposing of or parting with property or with an interest therein, or with the possession thereof, or of fixing a lien upon property or upon an interest therein, absolutely or conditionally, voluntarily or involuntarily, by or without judicial proceedings, as a conveyance, sale, payment, pledge, mortgage, lien, encumbrance, gift, security or otherwise.(Black, 5th, p. 1342)  1, record 15, English, - transfer

Record 15,  Textual support,  French

Record number: 15, Textual support number: 1 OBS

Acception large.  1, record 15, French, - transfert

Record number: 15, Textual support number: 2 OBS

transfert : terme normalisé par le Comité de normalisation dans le cadre du Programme national de l'administration de la justice dans les deux langues officielles (PAJLO).  2, record 15, French, - transfert

Record 15,  Textual support,  Spanish

Record 16,  Textual support,  English

Record number: 16, Textual support number: 1 CONT

The proprietor of a charge or incumbrance may at any time charge the mortgage debt with the payment of money in the same way as the proprietor of land can charge the land; and such charges are called sub-charges.(26 Halsbury, 4th ed., p. 533).  1, record 16, English, - sub%2Dcharge

Record 16,  Textual support,  French

Record number: 16, Textual support number: 1 OBS

sous-charge : terme normalisé par le Comité de normalisation dans le cadre du Programme national de l'administration de la justice dans les deux langues officielles (PAJLO).  2, record 16, French, - sous%2Dcharge

Record 16,  Textual support,  Spanish

Record 17,  Textual support,  English

Record number: 17, Textual support number: 1 DEF

In respect of an aircraft,(a) the person in whose name the aircraft is registered;(b) a person in possession of the aircraft as purchaser under a conditional sale or hire-purchase agreement that reserves to the vendor the title to the aircraft until payment of the purchase price or the performance of certain conditions;(c) a person in possession of the aircraft as chattel mortgagor under a chattel mortgage; or(d) a person in possession of the aircraft under a bona fide lease or agreement of hire.  1, record 17, English, - owner

Record number: 17, Textual support number: 1 OBS

owner: term and definition standardized by the Glossary for Pilots and Air Traffic Services Personnel Committee.  2, record 17, English, - owner

Record 17,  Textual support,  French

Record number: 17, Textual support number: 1 DEF

Relativement à un aéronef et selon le cas : a) personne au nom de laquelle l'aéronef est immatriculé; b) personne qui est en possession de l'aéronef à titre d'acheteur en vertu d'un acte de vente conditionnelle ou d'un acte de location-vente qui laisse au vendeur le titre de propriété de l'aéronef jusqu'au paiement du prix d'achat ou jusqu'à l'accomplissement de certaines conditions; c) personne qui est en possession de l'aéronef à titre de débiteur hypothécaire en vertu d'une hypothèque sur biens meubles; d) personne qui est en possession de l'aéronef en vertu d'un bail ou d'un contrat de louage conclu de bonne foi.  1, record 17, French, - propri%C3%A9taire

Record number: 17, Textual support number: 1 OBS

propriétaire : terme et définition normalisés par le Comité sur le Glossaire à l'intention des pilotes et du personnel des services de la circulation aérienne.  2, record 17, French, - propri%C3%A9taire

Record 17,  Textual support,  Spanish

Record 18,  Textual support,  English

Record number: 18, Textual support number: 1 DEF

A mortgage loan under which prepayments of principal during the term of the mortgage are not permitted, or else are permitted with the payment of a penalty.  3, record 18, English, - closed%20mortgage

Record 18,  Textual support,  French

Record number: 18, Textual support number: 1 DEF

Prêt ou emprunt hypothécaire qui ne permet pas des paiements anticipés du principal avant l'échéance ou qui les permet moyennant une surcharge.  2, record 18, French, - pr%C3%AAt%20hypoth%C3%A9caire%20ferm%C3%A9

Record 18,  Textual support,  Spanish

Record 19,  Textual support,  English

Record number: 19, Textual support number: 1 DEF

Loan made on real estate collateral, urban or rural, residential or business, in which a mortgage is given to secure payment of principal and interest.  4, record 19, English, - mortgage%20loan

Record number: 19, Textual support number: 1 OBS

mortgage loan: term and text reproduced from The Encyclopedia of Banking and Finance, Tenth Edition (1993), by Glenn G. Munn, F.L. Garcia and Charles J. Woelfel, with the permission of the copyright holder, The McGraw-Hill Companies Inc. In no event shall McGraw-Hill have any liability to any party for special, incidental, tort, or consequential damages arising out of or in connection with the use of this material.  5, record 19, English, - mortgage%20loan

Record 19,  Textual support,  French

Record number: 19, Textual support number: 1 DEF

Prêt garanti par une hypothèque.  1, record 19, French, - pr%C3%AAt%20hypoth%C3%A9caire

Record number: 19, Textual support number: 1 OBS

On trouve souvent l'emploi familier du mot «hypothèque» en ce sens, principalement au Canada; rigoureusement, l'hypothèque constitue le droit accordé au créancier sur un bien de l'emprunteur pour garantir le paiement de l'emprunt.  1, record 19, French, - pr%C3%AAt%20hypoth%C3%A9caire

Record number: 19, Textual support number: 2 OBS

Du point de vue de la personne qui avance les fonds, il s'agit d'un prêt. Du point de vue de celle qui les reçoit, il s'agit d'un emprunt.  4, record 19, French, - pr%C3%AAt%20hypoth%C3%A9caire

Record 19,  Textual support,  Spanish

Record 20,  Textual support,  English

Record number: 20, Textual support number: 1 DEF

Property charged or pledged as security for the performance of a contract or the payment of a debt, e. g., land, buildings and plant in the case of mortgage bonds; accounts receivable, inventories or transferable evidence of indebtedness or ownership in the case of a bank loan.  2, record 20, English, - collateral

Record 20,  Textual support,  French

Record number: 20, Textual support number: 1 DEF

Tout bien qu'une personne (l'emprunteur) affecte à titre de garantie du remboursement d'une dette.  1, record 20, French, - bien%20affect%C3%A9%20en%20garantie

Record number: 20, Textual support number: 1 OBS

Le bien ainsi affecté peut être immeuble (un terrain ou un bâtiment dans le cas d'obligations hypothécaires) ou meuble (des créances ou des stocks dans le cas d'un emprunt bancaire).  1, record 20, French, - bien%20affect%C3%A9%20en%20garantie

Record number: 20, Textual support number: 2 OBS

Bien en nantissement : terminologie employée au Bureau du surintendant des institutions financières Canada.  4, record 20, French, - bien%20affect%C3%A9%20en%20garantie

Record 20,  Textual support,  Spanish

Record number: 20, Textual support number: 1 DEF

Bien inmueble o mueble pignorado como garantía parcial o total de una deuda.  2, record 20, Spanish, - prenda

Record 21,  Textual support,  English

Record number: 21, Textual support number: 1 CONT

Once the mortgagor has made default in payment of the mortgage debt, the mortgagee is entitled to pursue any or all of his remedies... Hence the mortgagee can at the same time sue for payment on the covenant to pay principal and interest, for possession of the mortgaged estate, and for foreclosure... If the mortgagee realises part of the debt by his action on the covenant, or by sale of part of the property, he must give credit in the foreclosure action for the amount realised, and if, after foreclosure, he proceeds on the covenant, he re-opens the foreclosure.  2, record 21, English, - action%20on%20the%20covenant

Record number: 21, Textual support number: 1 OBS

action on the covenant: Not to be confused with "action of covenant," which consisted in a claim for damages arising from the breach of a promise made under seal, prior to the Judicature Acts (1873-1875).  3, record 21, English, - action%20on%20the%20covenant

Record 21,  Textual support,  French

Record number: 21, Textual support number: 1 OBS

action pour violation de covenant : Ne pas confondre avec «action de covenant» et «action en covenant», qui désignent une ancienne action en justice disparue au XIXe siècle qui visait la réclamation de dommages-intérêts pour la violation d'un covenant.  2, record 21, French, - action%20pour%20violation%20de%20covenant

Record number: 21, Textual support number: 2 OBS

action pour violation de covenant : terme normalisé dans le cadre du Programme de l'administration de la justice dans les deux langues officielles (PAJLO).  3, record 21, French, - action%20pour%20violation%20de%20covenant

Record 21,  Textual support,  Spanish

Record 22,  Textual support,  English

Record number: 22, Textual support number: 1 CONT

Preauthorized mortgage: An evaluation that determines the maximum financing amount you are eligible for according to your financial situation (income, assets, liabilities) for the purchase of a primary (single-family, condo or semi-detached) residence.  3, record 22, English, - preauthorized%20mortgage

Record number: 22, Textual support number: 2 CONT

With a pre-authorized mortgage, you will know your maximum loan according to your budget and you will be able to determine your real needs. Furthermore, a pre-authorized loan offers protection against the rise in interest rates. So, your maximum mortgage payment will be protected for the given period.  4, record 22, English, - preauthorized%20mortgage

Record 22,  Textual support,  French

Record number: 22, Textual support number: 1 CONT

Prêt hypothécaire préautorisé. L'institution financière donne une autorisation préliminaire pour un prêt hypothécaire d'un montant maximal et à un taux d'intérêt protégé pour une durée donnée (par exemple, 90 jours.)  2, record 22, French, - pr%C3%AAt%20hypoth%C3%A9caire%20pr%C3%A9autoris%C3%A9

Record number: 22, Textual support number: 2 CONT

Un prêt hypothécaire préautorisé garantit votre taux d'intérêt pendant 90 jours; vous avez le temps de trouver la maison qui vous convient.  3, record 22, French, - pr%C3%AAt%20hypoth%C3%A9caire%20pr%C3%A9autoris%C3%A9

Record number: 22, Textual support number: 1 OBS

Au Canada, on trouve souvent l'emploi familier du mot «hypothèque».  4, record 22, French, - pr%C3%AAt%20hypoth%C3%A9caire%20pr%C3%A9autoris%C3%A9

Record 22,  Textual support,  Spanish

Record 23,  Textual support,  English

Record number: 23, Textual support number: 1 CONT

Mortgage loan insurance was developed to address the problem home buyers have with saving enough for a down payment while addressing the concerns Canadian mortgage lenders expressed with the increased potential of payment default. By developing mortgage loan insurance, home buyers and mortgage lenders now have an alternative. Using approved Canadian lenders, mortgage loan insurance now affords home buyers the ability to purchase a home with as little as 5% down while protecting mortgage lenders against payment default.  4, record 23, English, - mortgage%20loan%20insurance

Record number: 23, Textual support number: 1 OBS

Mortgage insurance ... Do not confuse this form of insurance with the life insurance offered by many lenders that repays the loan in the event that the borrower dies.  5, record 23, English, - mortgage%20loan%20insurance

Record 23,  Textual support,  French

Record number: 23, Textual support number: 1 DEF

Assurance crédit souscrite sur un prêt hypothécaire dans le but de protéger le créancier contre les défauts de paiement du débiteur.  4, record 23, French, - assurance%20pr%C3%AAt%20hypoth%C3%A9caire

Record number: 23, Textual support number: 1 CONT

L'assurance prêt hypothécaire est exigée habituellement par les prêteurs, lorsque l'emprunteur effectue une mise de fonds inférieure à 20 % du prix d'achat de l'habitation.  5, record 23, French, - assurance%20pr%C3%AAt%20hypoth%C3%A9caire

Record number: 23, Textual support number: 1 OBS

Il ne faut pas confondre l'assurance prêt hypothécaire et l'assurance-vie prêt hypothécaire, qui garantit que votre succession n'aura pas à rembourser le solde de votre prêt hypothécaire au moment de votre décès.  5, record 23, French, - assurance%20pr%C3%AAt%20hypoth%C3%A9caire

Record 23,  Textual support,  Spanish

Record 24,  Textual support,  English

Record number: 24, Textual support number: 1 CONT

Our Adjustable Rate-Adjustable Payment Mortgage is ideal if you want to maximize your cash flow-it offers our lowest available mortgage payment. The interest rate and payment are adjusted on the first day of each month based on our mortgage prime rate and the remaining amortization period of your mortgage. This lowers your mortgage payments so you can use your extra cash for other purposes. And, you’ll benefit from an automatic rate reduction of 0. 50 per cent off our mortgage prime rate during the entire 54-month term.  2, record 24, English, - mortgage%20prime%20rate

Record 24,  Textual support,  French

Record number: 24, Textual support number: 1 CONT

[...] Scotia et la Banque Laurentienne y ajoutent même des chèques certifiés, des arrêts de paiement, ainsi qu'un taux préférentiel sur une hypothèque ou un rabais sur un transfert d'hypothèque.  1, record 24, French, - taux%20pr%C3%A9f%C3%A9rentiel%20sur%20une%20hypoth%C3%A8que

Record 24,  Textual support,  Spanish

Record 25,  Textual support,  English

Record number: 25, 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 25, English, - piggyback%20mortgage%20loan

Record number: 25, 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 25, English, - piggyback%20mortgage%20loan

Record number: 25, 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 25, English, - piggyback%20mortgage%20loan

Record number: 25, Textual support number: 1 OBS

Piggyback mortgages are also called 80-10-10 loans  5, record 25, English, - piggyback%20mortgage%20loan

Record 25,  Textual support,  French

Record number: 25, 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 25, French, - pr%C3%AAt%20gigogne

Record number: 25, 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 25, French, - pr%C3%AAt%20gigogne

Record 25,  Textual support,  Spanish

Record 26,  Textual support,  English

Record number: 26, Textual support number: 1 CONT

A down payment generally ranges from 5 per cent to 25 per cent of the purchase price. Some financial institutions offer no-down-payment mortgages. If you have a good credit history, but haven’t been able to save the down payment, this option may be for you. Keep in mind that the higher your down payment, the lower the interest costs over the life of the mortgage.  4, record 26, English, - no%2Ddown%2Dpayment%20mortgage

Record 26,  Textual support,  French

Record number: 26, Textual support number: 1 CONT

Avec le prêt hypothécaire sans mise de fonds [...], vous n'avez plus besoin d'économiser pendant des années pour accéder à la propriété. Pour être admissible, vous devez satisfaire aux critères habituels d'octroi de crédit et gagner un revenu suffisant pour effectuer les versements hypothécaires. Vous devez être en mesure de payer les frais de transaction hypothécaire, qui correspondent généralement à environ 1,5 % du prix d'achat de la maison et les primes d'assurance prêt hypothécaire seront ajoutées à vos versements.  3, record 26, French, - pr%C3%AAt%20hypoth%C3%A9caire%20sans%20mise%20de%20fonds

Record number: 26, Textual support number: 2 CONT

L'hypothèque sans mise de fonds [...] permet aux clients d'acheter une maison plus tôt et de commencer aussitôt à accumuler une valeur nette immobilière.  4, record 26, French, - pr%C3%AAt%20hypoth%C3%A9caire%20sans%20mise%20de%20fonds

Record number: 26, Textual support number: 1 OBS

Au Canada, on trouve souvent l'emploi familier du mot «hypothèque».  5, record 26, French, - pr%C3%AAt%20hypoth%C3%A9caire%20sans%20mise%20de%20fonds

Record 26,  Textual support,  Spanish

Record 27,  Textual support,  English

Record number: 27, Textual support number: 1 DEF

A gradual increase in mortgage debt that occurs when the monthly payment is insufficient to cover the interest due, and the balance owed keeps increasing(at least in the first few years).  2, record 27, English, - negative%20amortization

Record 27,  Textual support,  French

Record number: 27, Textual support number: 1 DEF

Augmentation du solde d'un prêt par l'ajout des intérêts restant impayés au principal du prêt, du fait que les versements effectués ont été insuffisants pour couvrir les intérêts dus, par exemple dans le cas d'un prêt hypothécaire à remboursement progressif.  1, record 27, French, - amortissement%20n%C3%A9gatif

Record 27,  Textual support,  Spanish

Record 28,  Textual support,  English

Record number: 28, Textual support number: 1 DEF

A clause in a mortgage loan entitling the debtor to pay off all or part of the mortgage debt before payment becomes due.  3, record 28, English, - prepayment%20clause

Record 28,  Textual support,  French

Record number: 28, Textual support number: 1 DEF

Article du contrat hypothécaire spécifiant quand et comment les paiements par anticipation peuvent être effectués.  1, record 28, French, - option%20de%20paiement%20par%20anticipation

Record 28,  Textual support,  Spanish

Record 29,  Textual support,  English

Record number: 29, Textual support number: 1 DEF

A stamp for use as evidence of payment of a tax(as on package of cigarettes, a proprietary article, a lease or a mortgage)....  2, record 29, English, - revenue%20stamp

Record 29,  Textual support,  French

Record number: 29, Textual support number: 1 DEF

Marque imprimée ou vignette qui, apposée sur les papiers destinés à la rédaction des actes, représente le paiement de la taxe perçue au profit du Trésor [...]  2, record 29, French, - timbre%20fiscal

Record 29,  Textual support,  Spanish

Record 30,  Textual support,  English

Record number: 30, Textual support number: 1 CONT

A positive cash flow is large enough to pay the expenses of the income producing property(mortgage payment, maintenance, utilities, etc.)...  1, record 30, English, - positive%20cash%20flow

Record 30,  Textual support,  French

Record 30,  Textual support,  Spanish

Record 31,  Textual support,  English

Record number: 31, Textual support number: 1 DEF

The cancellation by the lender of the mortgage on a property upon payment in full of the mortgage loan.  3, record 31, English, - redemption%20of%20a%20mortgage

Record number: 31, Textual support number: 1 OBS

by mortgagor.  3, record 31, English, - redemption%20of%20a%20mortgage

Record 31,  Textual support,  French

Record 31,  Textual support,  Spanish

Record 32,  Textual support,  English

Record 32,  Textual support,  French

Record number: 32, Textual support number: 1 OBS

Rapport sur la SCHL [Société canadienne d'hypothèques et de logement], octobre 1979, p. 52, 58.  1, record 32, French, - Programme%20de%20pr%C3%AAts%20hypoth%C3%A9caires%20%C3%A0%20paiements%20progressifs

Record number: 32, Textual support number: 2 OBS

Source : Traduction des débats, Assemblée législative du Nouveau-Brunswick.  1, record 32, French, - Programme%20de%20pr%C3%AAts%20hypoth%C3%A9caires%20%C3%A0%20paiements%20progressifs

Record 32,  Textual support,  Spanish

Record 33,  Textual support,  English

Record 33,  Textual support,  French

Record number: 33, Textual support number: 1 OBS

Source : Agriculture Canada.  1, record 33, French, - hypoth%C3%A8que%20%C3%A0%20paiements%20variables

Record 33,  Textual support,  Spanish

Record 34,  Textual support,  English

Record number: 34, Textual support number: 1 DEF

A bank department that holds funds for a third party. An example of funds held would be that part of a mortgage payment that goes to the municipality to pay taxes on the mortgaged property.  2, record 34, English, - escrow%20department

Record 34,  Textual support,  French

Record number: 34, Textual support number: 1 OBS

«delivrer sous condition» est l'équivalent de «déliver in escrow» normalisé dans le cadre du PAJLO.  2, record 34, French, - service%20des%20fonds%20entierc%C3%A9s

Record 34,  Textual support,  Spanish

Record 35,  Textual support,  English

Record 35,  Textual support,  French

Record number: 35, Textual support number: 1 OBS

Source: CS CO-OP Guide d'information hypothécaire.  1, record 35, French, - versement%20hypoth%C3%A9caire%20pr%C3%A9vu

Record 35,  Textual support,  Spanish

Record 36,  Textual support,  English

Record number: 36, Textual support number: 1 OBS

... portability, assumability and payment flexibility of a mortgage loan.  1, record 36, English, - assumability

Record 36,  Textual support,  French

Record 36,  Textual support,  Spanish

Record 37,  Textual support,  English

Record number: 37, Textual support number: 1 DEF

A mortgage loan repaid in instalments which are initially low, but which increase over the term of the mortgage.  1, record 37, English, - graduated%20payment%20mortgage

Record 37,  Textual support,  French

Record number: 37, Textual support number: 1 OBS

"prêt hypothécaire à taux de remboursement progressif" : Terme fourni par la Société canadienne d'hypothèques et de logement.  2, record 37, French, - pr%C3%AAt%20hypoth%C3%A9caire%20%C3%A0%20paiements%20progressifs

Record 37,  Textual support,  Spanish

Record 38,  Textual support,  English

Record number: 38, Textual support number: 1 DEF

A lump-sum payment applied to the principal of a mortgage loan.  1, record 38, English, - mortgage%20paydown

Record 38,  Textual support,  French

Record 38,  Textual support,  Spanish

Record 39,  Textual support,  English

Record number: 39, Textual support number: 1 DEF

A mortgage loan requiring only interest payments during its term. A lump sum payment is made upon termination to pay off the principal.  1, record 39, English, - interest%2Donly%20mortgage

Record 39,  Textual support,  French

Record 39,  Textual support,  Spanish

Record 40,  Textual support,  English

Record number: 40, Textual support number: 1 DEF

A cheque handed to a financial institution employee by a client as distinguished from a pre-authorized debit where no paper is exchanged.  2, record 40, English, - over%2Dthe%2Dcounter%20check

Record number: 40, Textual support number: 1 CONT

We regret that we cannot accept your mortgage renewal using post-dated or over-the-counter checks as a method of payment.  1, record 40, English, - over%2Dthe%2Dcounter%20check

Record 40,  Textual support,  French

Record 40,  Textual support,  Spanish

Record 41,  Textual support,  English

Record number: 41, Textual support number: 1 CONT

The Bank has... moved decisively to meet customer demand for flexible payment options on personal and mortgage loans.  1, record 41, English, - payment%20option

Record 41,  Textual support,  French

Record number: 41, Textual support number: 1 CONT

(...) la Banque a agi sans retard pour répondre à la demande générale d'assouplissement des formules de remboursement des prêts à la consommation et des prêts hypothécaires.  1, record 41, French, - formule%20de%20remboursement

Record 41,  Textual support,  Spanish

Record 42,  Textual support,  English

Record number: 42, Textual support number: 1 CONT

Somewhere in the range of 25 % to 30 % of your gross monthly income is a general guideline for the monthly mortgage payment.  1, record 42, English, - gross%20monthly%20income

Record 42,  Textual support,  French

Record number: 42, Textual support number: 1 CONT

Le versement hypothécaire mensuel (taxes foncières incluses) devrait se situer entre 25 % et 30 % de votre revenu mensuel brut.  1, record 42, French, - revenu%20mensuel%20brut

Record 42,  Textual support,  Spanish

Record 43,  Textual support,  English

Record number: 43, Textual support number: 1 CONT

Somewhere in the range of 25 % to 30 % of your gross monthly income is a general guideline for the monthly mortgage payment.  1, record 43, English, - monthly%20mortgage%20payment

Record 43,  Textual support,  French

Record number: 43, Textual support number: 1 CONT

Le versement hypothécaire mensuel (taxes foncières incluses) devrait se situer entre 25 % et 30 % de votre revenu mensuel brut.  1, record 43, French, - versement%20hypoth%C3%A9caire%20mensuel

Record 43,  Textual support,  Spanish

Record 44,  Textual support,  English

Record number: 44, Textual support number: 1 CONT

Royal Trust's unique Double-Up mortgage allows you to double-up the principal and interest portion of your payment any month or every month. All of that money goes to reduce your principal, which can save you thousands in interest.  1, record 44, English, - Double%2DUp%20mortgage

Record 44,  Textual support,  French

Record number: 44, Textual support number: 1 OBS

Équivalent proposé par le service de traduction de la société de fiducie Trust royal à Montréal.  1, record 44, French, - pr%C3%AAt%20hypoth%C3%A9caire%20%C3%A0%20double%20versement

Record 44,  Textual support,  Spanish

Record 45,  Textual support,  English

Record number: 45, Textual support number: 1 OBS

A procedure of financing in which a new mortgage is obtained in a secondary position. The entire loan is treated as a single obligation and the secondary mortgage assumes and pays the obligation on the first mortgage for total payment received.  1, record 45, English, - wrap%20around%20loan

Record 45,  Textual support,  French

Record 45,  Textual support,  Spanish

Record 46,  Textual support,  English

Record number: 46, Textual support number: 1 OBS

an act of the parties, or of the law, by which the title to property is conveyed from one person to another. The sale and every other method, direct or indirect, of disposing of or parting with property or with an interest therein, or with the possession thereof or of fixing a lien upon property, or upon an interest therein absolutely or conditionally, voluntarily or proceedings, as a conveyance, sale, payment, pledge, mortgage, lien, encumbrance, gift, security or otherwise.  1, record 46, English, - transfer%20of%20title%20to%20property

Record 46,  Textual support,  French

Record number: 46, Textual support number: 1 OBS

frais juridiques et autres frais... frais de cession de titres de propriété.  1, record 46, French, - cession%20de%20titre%20de%20propri%C3%A9t%C3%A9

Record 46,  Textual support,  Spanish

Record 47,  Textual support,  English

Record number: 47, Textual support number: 1 CONT

Where an employee sells the house, that the employer provides financial assistance in the form of real estate fees, legal fees, payment of mortgage penalty...  1, record 47, English, - mortgage%20penalty

Record 47,  Textual support,  French

Record 47,  Textual support,  Spanish

Record 48,  Textual support,  French

Record 48,  Textual support,  Spanish