DictionaryForumContacts

 Winona

link 28.10.2014 9:18 
Subject: fund loan vs. finance loan fin.
Перевожу перечень условий договора на предоставление долгосрочного кредита. Есть фразы:

Start redemption: 3 months after the loan is financed.
The sum must be paid immediately after the loan is funded.

Есть ли смысловая разница между financed и funded?
(Сумма займа депонируется кредитором на эскроу-счет)

 Tamerlane

link 28.10.2014 9:54 
В сети имеется статья, в которой оба термина применены:

Find Bad Credit Title Loans Online

Say goodbye to the hassles of traditional borrowing options. When you use your car title to finance a loan with bad credit, you can be approved with damaged or even nonexistent credit.

You can easily find bad credit title loans online. There are many title loan companies that operate exclusively online, so quick cash is literally just a click away.

You can apply and be approved in a matter of hours, because there is no need to travel to a physical location. You can submit the form from the comfort of your own home and receive an instant pre-approval estimate.

Bad credit title loans online can be obtained on an expedited timeline. A credit check can take days to process, so eliminating this requirement is a great way to save time. When you need to address an urgent financial matter, every second counts.

A car title loan specialist will contact you to discuss your options and iron out the details. Once your loan has been funded, you can collect your money at a neighborhood location and drive away - regardless of your credit score.

http://www.ezcartitleloans.com/resources/bad-credit-title-loans/

 Tamerlane

link 28.10.2014 9:56 
Понадобится больше контекста. Казалось бы, оба термина означают одно и тоже. Но пока не ясно.

 Tamerlane

link 28.10.2014 10:01 
Ещё один пример. В одном и том же абзаце оба слова встретились.

(1) These loans are lender or construction loans. Such loans are typically disbursed over the life of the loan. All lender and construction loans pay interest only.
(2) This lender loan is funded by the 2003 Series B and 2004 Series D Bonds.
(3) This lender loan is financed by the 2003B, 2003C, 2004B and 2004D bonds

http://www.calhfa.ca.gov/about/financials/information/disclosure/MHRBII/mhrbii2006.pdf

 Эссбукетов

link 28.10.2014 10:05 
Требование с financed обращено к заемщику, а с funded - к кредитору?

 Tamerlane

link 28.10.2014 10:09 
Under the SBLP, the state must borrow (issue GO debt) to finance loans to districts...

In addition to GO bonds, the state may issue revenue bonds through the Michigan Finance Authority (MFA) to fund loans to districts.

https://www.legislature.mi.gov/documents/2011-2012/billanalysis/House/htm/2011-HLA-0770-40BDD5BE.htm

 натрикс

link 28.10.2014 10:14 
ну и я попощу, чо, вдруг я мелодию угадаю:
***

After your loan documents have been prepared, signed, dated, notarized, and returned, they will go into funding .

This is when all of the signed documents are reviewed by the investor to insure that everything is signed correctly. At this point they will also do a final back-up quality control check of your credit and employment to insure nothing has changed since the loan was approved .
Once everything has been verified and checked, the investor will fund the loan . The funding of the loan is when the monies your borrowed are wired to the title / escrow or closing attorney for disbursement. This is when the actual exchange of money is completed.

This is completed usually through an electronic wire transfer that must be sent before 12:00 p.m. to insure same day confirmation. The funding will usually take place 2-4 days after the loan documents have been returned to the investor by escrow / title.
отсюда http://www.fha-home-loans.com/funding_process_fha_loans.htm
financed = approved ?

 Winona

link 28.10.2014 10:19 
Вот я вырезала описание кредита и процедуры предоставления. Я всех ввела в заблуждение. Деньги на эскроу вносит не кредитор, а заемщик, вот как все это выглядит: http://www.picshare.ru/view/5450715/

 Эдуард Цой

link 28.10.2014 10:19 

 Pchelka911

link 28.10.2014 10:24 
Мне кажется, одно и то же. Но если бы потребовалось развести термины, я бы назвала finance - финансировать, а fund - выделить средства.

 Winona

link 28.10.2014 10:32 
Спасибо всем за помощь! Мне теперь кажется, что у меня была проблема не с переводом двух терминов, а с общим пониманием процедуры. Буду вчитываться

 Эссбукетов

link 28.10.2014 10:34 
Судя по четвертому пункту раздела Procedure, похоже, что разные вещи: fund - привлечение кредитором средств для выдачи кредита (фондирование), finance - предоставление финансирования заемщику, имхо.

 Winona

link 28.10.2014 13:52 
да, скорее всего, разница есть

перевела funding как "предоставление кредита"
а financing - как "финансирование"

 

You need to be logged in to post in the forum