waarborgstelling

08:11 Aug 27, 2015 

Google somehow must have let you down :-). There are definitely plenty of relevant search results for mortgage loan (also in plural) and even quite a few for mortgage loan guarantee (also in plural). You're absolutely right that this type of loan is often simply referred to as a mortgage. I would say both terms exist side by side just like hypotheek and hypotheeklening in Dutch, without there being any essential difference in meaning between them. As far as I can see, the same applies to mortgage guarantee and mortgage loan guarantee. The only reason why I used the latter term is because it's called that way in the article I wanted to bring to Emma's attention.

18:40 Aug 26, 2015 

I see. I think that in 3) you've rightly interpreted it as "some other guarantee", similarly to my bracketed idea but with guarantee.

18:31 Aug 26, 2015 

. . .do you guys agree?
Sorry again for the confusion. I've been dealing with different "garanties" all day and lost sight for a moment of which one this question pertained to!

18:30 Aug 26, 2015 

Hi guys. I'm so sorry--I obfuscated matters with my "given to the buyer" wording. What I meant there was, as Kitty intuited, guarantees which the buyer/mortgagor is required to submit to the mortgage provider as part of the application process. But I slightly lost sight of my own context in the thick of things, because we're talking about different forms of guarantee all pertaining to the completion of a mortgaged new build.

So what we've got is:
1) Insolventieverzekering provides a guarantee to the mortgage provider that the property will be completed no matter what (i.e. they will hold first mortgage on a fully-fledged real estate object).
2) The SWK-garantie similarly provides protection in the event of the original contractor's insolvency (as well as guaranteeing adequate building standards and recourse in the event of defaults).
3) "Waarborgstelling" = some other guarantee that the mortgaged property will be completed so that the bank will have their collateral and the buyer will have their home.

I'd still say that's a "guarantee" rather than "warranty", since the main thing it's predicated upon is completion, rather than recourse in the events of structural defaults.

18:16 Aug 26, 2015 

You earlier referred to a "mortgage loan guarantee". Other than Wikipedia mentioning it, Google doesn't result in anything like a mortgage loan. Wiki says it's mostly called simply a mortgage as we all know it. https://www.mortgageloan.com/refinance-mortgage is only called that because it helps those wanting to take out a mortgage or a loan. So I think your phrase should simply be 'mortgage guarantees' if that fits the context. (Your link leads to a download, sorry I don't want to do that now.)

17:57 Aug 26, 2015 

(though not even directly so in the case of the insolventieverzekering, as far as I can see) but definitely not provided (or given) by the buyer. Unless 'given by the buyer' was meant as 'to be submitted by the buyer' (i.e. during the mortgage application process). In the absence of further specification, we simply do not know what type of party/parties would provide the waarborg(stelling). What we do know, however, is that all three items referred to are typical examples of mortgage loan guarantees, i.e. the type of guarantee that would typically be required by mortgage providers.

17:34 Aug 26, 2015 

Asker: 'Yes, but here we're talking about a guarantee given by the buyer, not the seller.' - this looks like an indemnity rather than e.g. a guarantee given by a housing assoc. or a collateral warranty given by a third party http://www.rpc.co.uk/index.php?option=com_easyblog&view=entr...

17:20 Aug 26, 2015 

See https://www.soa.org/library/proceedings/record-of-the-societ...

15:45 Aug 26, 2015 

I think I would use guarantee instead of warranty here. Basically, waarborgstelling/borgstelling/garantstelling are all (used as) synonyms in this context, referring to the provision of a (waar)borg or garantie. The NHG (National Mortgage Guarantee), for instance, is also a waarborgstelling - though more commonly referred to as borgstelling - which is provided by the Waarborgfonds Eigen Woningen (WEW).

14:47 Aug 26, 2015 

Then I have no idea why there's this repetition. Hopefully somebody else can also get on board who is more secure in this field.

14:45 Aug 26, 2015 

Yes, but here we're talking about a guarantee given by the buyer, not the seller.

14:39 Aug 26, 2015 

I'm not completely sure, sorry, but in freedictionary.com, it says warranty is " (Law) property law a covenant, express or implied, by which the vendor of real property vouches for the security of the title conveyed." As we both have doubts about whether 'waarborgstelling' is simply a repetition, it could be avoided using 'warranty'. Also, under http://dictionary.reference.com/browse/warranty we can see that warranty is "Also called covenant of warranty. a covenant in a deed to land by which the party conveying assures the grantee that he or she will enjoy the premises free from interference by any person claiming under a superior title." But you may be right as it's indeed about payment of debt obligations.

14:30 Aug 26, 2015 

Really? I was under the impression "warranty" was not appropriate in this context (since what we're talking about is the assurance that debt obligations will be met). . .?

14:00 Aug 26, 2015 

it seems that it simply means what you've suspected: this is simply a superfluous repetition of 'guarantee'. Waarborgstelling itself seems to lead to a few results on Google, but they mostly lead to a link on mijnwoordenboek, where it tells us no translation exists there. The only one occurrence is here: http://www.linguee.nl/nederlands-engels/search?source=auto&q... You can also change the word into 'warranty', waarborg could mean either/both.