Inschrijvingsbedrag
English translation: Amount recorded/registered
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| 08:06 Oct 17, 2018 |
| Dutch to English translations [PRO] Law/Patents - Finance (general) | |||||||
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|  Selected response from: Kirsten Bodart United Kingdom Local time: 20:06 | ||||||
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Answers
12 mins confidence: 
peer agreement (net): +1
peer agreement (net): +1amount recorded/registered Explanation: I usually stay quite literal in this. |
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1 day 4 hrs confidence:
Maximum mortgage amount Explanation: Is it not simply the maximum mortgage amount that was offered to the buyer? This is what you normally work out first and then start searching for a house to buy. I.e. you get your potential mortgage provider to specify what the maximum is that you can borrow and then you proceed. The fact that it is included in a "deed" already infers that it is "registered" or a matter of record. |
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1 day 12 hrs confidence:
maximum loan-to-vale Explanation: If you use this, you might have to word it differently as it's usually a percentage. In your explanation, more than 100% https://www.investopedia.com/terms/l/loantovalue.asp -------------------------------------------------- Note added at 1 day 12 hrs (2018-10-18 20:57:13 GMT) -------------------------------------------------- sorry, should be 'loan-to-value' or 'LTV' |
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1 day 21 hrs confidence:
Tender price Explanation: This is the translation provided by The Juridisch-Economisch Lexicon. https://www.lexicons.nl/lemma?searchterm=Inschrijvingsbedrag&SESSIONdictionary=jel_nlen |
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1 day 5 hrs confidence:
| (hypothecair) inschrijvingsbedrag mortgage/charge registered against the land/property Explanation: This seems fine for UK English but may need to be phrased differently for other locales. http://researchbriefings.files.parliament.uk/documents/SN048... Mortgages and Other Charges Registered Against Land Any mortgages, or other loans, secured against registered land will appear in the Charges Register section of the Land Register. First Mortgages If the land was purchased with a mortgage, or if the property is subsequently re-mortgaged, this will be referred to in the Charges Register. The purpose of registering a mortgage is to ensure that anybody who deals with the land, either by a conveyance or by granting a further loan secured against the property, will have notice that there is a mortgage which takes priority to subsequent legal interests. The Charges Register section of the Land Register will give the date of the mortgage, state what is secured by the mortgage (but not the actual amount of money borrowed) and the date on which the mortgage was registered. http://www.diyconveyance.co.uk/mortgages-other-charges-regis... [At least for Canada] inschrijvingsbedrag = bedrag feitelijke lening: conventional charge vs. inschrijvingsbedrag ≥ bedrag feitelijke lening: collateral charge Types of Charges There are two types of charges lenders use to document the security for a mortgage loan: conventional charge and collateral charge. Conventional Charge A conventional charge is registered for the actual amount of the mortgage loan - the amount you borrow. For example, if you require a mortgage loan of $250,000 to buy a home, the lender will register the conventional charge for $250,000. The conventional charge contains both the specific mortgage loan terms (such as the mortgage loan amount, interest rate, term, and payment amount) as well as other terms related to the security (such as your obligations and the rights of the lender) which is then registered on title against your home. Collateral Charge A collateral charge may be registered for the actual amount of the mortgage loan or for an amount that is greater than the actual amount of the mortgage loan. For example, if you require a mortgage loan of $250,000 to buy a home, the collateral charge may be registered for $300,000. By registering the charge for an amount that is higher than the amount you borrow under the mortgage loan, you may be able to borrow additional funds through future loans or other credit agreements that can be secured by the existing collateral charge, subject to any approval requirements of the lender (refer to Borrowing Additional Funds below). https://www.cba.ca/information-on-mortgage-security -------------------------------------------------- Note added at 1 day 5 hrs (2018-10-18 13:24:42 GMT) -------------------------------------------------- Het inschrijvingsbedrag is het bedrag waarvoor hypotheek wordt gevestigd. Dit inschrijvingsbedrag kan afwijken van het geleende bedrag en wordt vaak hoger vastgesteld dan de lening. Het voordeel daarvan is dat indien op een later tijdstip opnieuw een geldlening bij dezelfde bank wordt afgesloten er meestal geen nieuwe hypotheekakte nodig is. Het scheelt dus notaris- en kadasterkosten. https://vivaldinotarissen.nl/hrf_faq/inschrijvingsbedrag/ https://www.herschut.nl/wat-staat-er-in-jouw-hypotheekakte-2... -------------------------------------------------- Note added at 1 day 14 hrs (2018-10-18 22:24:01 GMT) -------------------------------------------------- Zo werkt een verhoogde inschrijving Bij de notaris laat je bij de aankoop van je woning alle afspraken rondom je hypotheek notarieel vastleggen. Eén daarvan is het hypotheekbedrag. Als je op dat moment kiest voor een verhoogde inschrijving laat je de notaris een hoger bedrag vastleggen. Je krijgt hiermee ruimte om later extra geld te lenen zonder dat je opnieuw naar de notaris moet. Je bespaart hiermee op notariskosten. Dit kan je al gauw veel geld schelen. Notariskosten lopen al snel op tot honderden euro’s. Weet je dus nu al dat je over een tijdje gaat verbouwen? Dan is het slim om voor een verhoogde inschrijving te kiezen. Let op: een verhoogde inschrijving kost wel extra geld. Als je het extra bedrag daadwerkelijk gaat lenen, word je weer opnieuw beoordeeld door de hypotheekaanbieder. Je moet namelijk wel voldoende inkomen hebben. Ook kijkt de hypotheekaanbieder naar de waarde van het huis. Om erachter te komen of de verbouwing ervoor zorgt dat je huis in waarde stijgt, wordt je huis opnieuw getaxeerd. https://www.independer.nl/hypotheek/info/verhoogde-inschrijv... -------------------------------------------------- Note added at 1 day 14 hrs (2018-10-18 22:41:30 GMT) -------------------------------------------------- In other words, 'inschrijvingsbedrag' in this context simply means: 'het bedrag waarvoor hypotheek wordt gevestigd', i.e. the charge registered against the property. This charge may be registered for the actual amount of the mortgage loan or for an amount greater than the actual amount of the mortgage loan. The latter scenario is referred to as 'verhoogde (hypothecaire) inschrijving'. This is not be confused with 'maximale hypotheek' / 'maximum hypotheekbedrag'. -------------------------------------------------- Note added at 2 days 3 hrs (2018-10-19 11:19:04 GMT) -------------------------------------------------- Or more fully/explicitly: inschrijvingsbedrag >> amount for which a charge is registered against the property (and which may be higher than the actual amount of the mortgage loan) |
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