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Fiche 1,  Justifications,  Anglais

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, fiche 1, Anglais, - 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, fiche 1, Anglais, - loan%20terms%20and%20conditions

Fiche 1,  Justifications,  Français

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, fiche 1, Français, - conditions%20d%27un%20pr%C3%AAt

Fiche 1,  Justifications,  Espagnol

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, fiche 1, Espagnol, - condiciones%20de%20un%20pr%C3%A9stamo

Fiche 2,  Justifications,  Anglais

Record number: 2, Textual support number: 1 DEF

An arrangement or procedure under which a debtor pays to a a debt pooler money to be distributed or paid, according to a system, by that debt pooler to three or more creditors of the debtor.  2, fiche 2, Anglais, - debt%20pooling

Record number: 2, Textual support number: 1 CONT

Debt pooling allows [anyone] to “pool all of your debt” and make a monthly payment to retire the full amount of the debt plus a nominal interest charge. Debt pooling is similar to a consolidation loan in that you now only... one monthly payment [is made]. The advantage is that usually the interest is greatly reduced, you are not providing any additional collateral, and no co-signor or guarantor is required. A debt pooling repayment plan should generally only be considered if the entire obligation can be retired in a reasonable time period – usually under five years.  3, fiche 2, Anglais, - debt%20pooling

Record number: 2, Textual support number: 2 CONT

Debt pooling is a flexible alternative to bankruptcy or consumer proposal, allowing [someone] to pay [their] debts in full. It is designed for people who are struggling with their debts and typically have over $10,000 of unsecured debt and are unable to obtain a low cost unsecured loan.  4, fiche 2, Anglais, - debt%20pooling

Fiche 2,  Justifications,  Français

Record number: 2, Textual support number: 1 OBS

Il s'agit de la gestion des fonds d'un débiteur en vue du refinancement de ses dettes auprès des créditeurs.  1, fiche 2, Français, - mise%20en%20commun%20de%20fonds%20pour%20dettes%20g%C3%A9r%C3%A9es

Record number: 2, Textual support number: 2 OBS

Aucun équivalent n'existe selon un syndic montréalais. La notion est propre à la législation de la Colombie-Britannique et de l'Alberta.  1, fiche 2, Français, - mise%20en%20commun%20de%20fonds%20pour%20dettes%20g%C3%A9r%C3%A9es

Fiche 2,  Justifications,  Espagnol

Fiche 3,  Justifications,  Anglais

Record number: 3, Textual support number: 1 CONT

A repayment period shall not be extended beyond an additional 24 months, in the case of a loan referred to in paragraph(b) ;and an additional six months, in the case of any other loan.  1, fiche 3, Anglais, - repayment%20period

Record number: 3, Textual support number: 1 OBS

Term found in the Immigration and Refugee Protection Regulations, 2002.  2, fiche 3, Anglais, - repayment%20period

Fiche 3,  Justifications,  Français

Record number: 3, Textual support number: 1 CONT

Le délai de remboursement d'un prêt ne peut être prolongé de plus de : vingt-quatre mois, dans le cas du prêt visé à l'alinéa b); six mois, dans les autres cas.  1, fiche 3, Français, - d%C3%A9lai%20de%20remboursement

Record number: 3, Textual support number: 1 OBS

Terme tiré du Règlement sur l'immigration et la protection des réfugiés, 2002.  2, fiche 3, Français, - d%C3%A9lai%20de%20remboursement

Fiche 3,  Justifications,  Espagnol

Fiche 4,  Justifications,  Anglais

Record number: 4, Textual support number: 1 DEF

In credit transactions, a period during which a borrower [or a buyer] need not repay principal and, sometimes, interest.  3, fiche 4, Anglais, - grace%20period

Record number: 4, Textual support number: 1 CONT

(Depending on the lending conditions, the borrower may or may not be required to pay interest, which may be capitalized during the grace period.) The grace period begins at the time the loan is extended and continues for a year(or other accounting period) or more. Thus, a four-year grace period for a loan received at the end of project year 1 would mean that the grace period would be project years 2 through 5, and the first repayment of principal would be due at the end of project year 6.  3, fiche 4, Anglais, - grace%20period

Record number: 4, Textual support number: 1 OBS

Compare with "days of grace".  4, fiche 4, Anglais, - grace%20period

Fiche 4,  Justifications,  Français

Record number: 4, Textual support number: 1 DEF

Dans les opérations à crédit, période pendant laquelle l'emprunteur (ou l'acheteur) n'est pas tenu de rembourser le capital ou de payer des intérêts.  6, fiche 4, Français, - d%C3%A9lai%20de%20gr%C3%A2ce

Fiche 4,  Justifications,  Espagnol

Record number: 4, Textual support number: 1 DEF

En las transacciones crediticias, período durante el cual el prestatario no necesita reembolsar el principal y, en ocasiones, tampoco el interés.  2, fiche 4, Espagnol, - per%C3%ADodo%20de%20gracia

Record number: 4, Textual support number: 1 OBS

(Según sean las condiciones de financiamiento puede exigirse o no al prestatario que pague intereses, los que se pueden capitalizar durante el período de gracia.) Ese período comienza en el momento en que se otorga el préstamo y continúa por espacio de un año (u otro período contable) o más. Así, un período de gracia de cuatro años con respecto a un préstamo recibido al final del año 1 del proyecto significaría que el período de gracia abarcaría los años 2 a 5 inclusive del proyecto, y el primer reembolso del principal debería hacerse al final del año 6 del proyecto.  2, fiche 4, Espagnol, - per%C3%ADodo%20de%20gracia

Fiche 5,  Justifications,  Français

Fiche 5,  Justifications,  Espagnol

Fiche 6,  Justifications,  Anglais

Record number: 6, Textual support number: 1 DEF

The annual payment that will repay a loan of 1 currency unit in x years with compound interest on the unpaid balance. The reciprocal of the present worth of an annuity factor. Generally obtained from a set of compounding and discounting tables. This factor permits calculating the equal installments necessary to repay(amortize) a loan over a given period at a stated interest rate. The total payment is a varying combination of both interest and repayment(amortization) of principal.  2, fiche 6, Anglais, - capital%20recovery%20factor

Fiche 6,  Justifications,  Français

Fiche 6,  Justifications,  Espagnol

Record number: 6, Textual support number: 1 DEF

Es el pago anual que reembolsará un préstamo de una unidad monetaria en x años, con interés compuesto sobre el saldo impagado. Es el recíproco del valor actual de una anualidad constante. Se obtiene, en general, de un conjunto de tablas de interés compuesto y de descuento. Este factor permite calcular los pagos iguales necesarios para reembolsar (amortizar) un préstamo en el curso de un período determinado a una tasa fija de interés. El pago total es una combinación variada de interés y reembolso (amortización) del principal.  1, fiche 6, Espagnol, - factor%20de%20recuperaci%C3%B3n%20del%20capital

Fiche 7,  Justifications,  Anglais

Record number: 7, Textual support number: 1 DEF

Loan repayment scheme whereby principal repayment remains the same over the period of the loan, regardless of interest payments. This means loan repayments are highest in the earlier years of the loan(when interest payments are higher). This scheme has been used by the Bank since 1975.  1, fiche 7, Anglais, - equal%20principal%20repayment%20system

Fiche 7,  Justifications,  Français

Fiche 7,  Justifications,  Espagnol

Fiche 8,  Justifications,  Anglais

Record number: 8, Textual support number: 1 DEF

Analysis of the flow of purchasing power into and out of an organization.  1, fiche 8, Anglais, - funds%20flow%20analysis

Record number: 8, Textual support number: 2 DEF

An analysis of the cash inflow and outflow in an enterprise. With reference to farms, an analysis to determine the farmer's liquidity. It is usually undertaken for the period of a loan repayment, is not discounted, uses current prices, treats capital by including cash purchases and sales of capital items, includes the cash portion of off-farm income, and excludes home-consumed production. The performance criterion is the cash available to the farm family as indicated by cash surplus or deficit.  2, fiche 8, Anglais, - funds%20flow%20analysis

Record number: 8, Textual support number: 1 OBS

Distinguished from farm income analysis and farm investment analysis. Used in developing and evaluating the financing plan for the farm or other enterprise.  2, fiche 8, Anglais, - funds%20flow%20analysis

Fiche 8,  Justifications,  Français

Record number: 8, Textual support number: 1 DEF

Technique utilisée pour comparer les changements dans l'actif et le passif pour une période donnée.  1, fiche 8, Français, - analyse%20des%20disponibilit%C3%A9s

Fiche 8,  Justifications,  Espagnol

Record number: 8, Textual support number: 1 DEF

Es un análisis de las entradas y salidas de efectivo de una empresa. Con referencia a las fincas, es un análisis para determinar la liquidez del agricultor. Usualmente se lleva a cabo con respecto al período de reembolso de un préstamo, no se actualiza, utiliza precios corrientes, computa el capital incluidas las compras y ventas en efectivo de bienes de capital, incluye la porción en efectivo del ingreso fuera de la finca y excluye la producción consumida en el hogar. El criterio de rendimiento es el efectivo disponible para la familia agrícola tal como lo indique el superávit o déficit en efectivo.  1, fiche 8, Espagnol, - an%C3%A1lisis%20de%20flujo%20de%20fondos

Record number: 8, Textual support number: 1 OBS

Se diferencia del análisis del ingreso en la finca y del análisis de la inversión en fincas. Se utiliza en la elaboración y evaluación del plan de financiamiento para la finca u otra empresa.  1, fiche 8, Espagnol, - an%C3%A1lisis%20de%20flujo%20de%20fondos